We've all been there before. In the checkout line, at a restaurant, or worst of all, on the side of the road with a broken-down car, only to discover your check has bounced or debit card has been declined. Fortunately, you won’t have to experience that embarrassment or frustration when you sign up for Overdraft Privilege from Mountain America. Overdraft Privilege is a simple and convenient way to help ensure your checking and everyday debit card transactions clear in the unlikely event your account balance runs low. Consider it a safety cushion or last line of defense when other sources of funds have been exhausted. Either way, it’s there to help you manage a potentially uncomfortable situation with grace. Benefits of Coverage Provides Security—may provide funds to pay unexpected expenses. Offers Convenience—may provide uninterrupted coverage if you lack sufficient funds. Eliminates Embarrassment—helps you avoid the awkwardness of a merchant declining your transaction. Acts as Last Line of Defense—you can still be covered after other overdraft sources have been exhausted. Covered Transactions We authorize and pay overdrafts for the following types of transactions: Checks and other transactions made using your checking account number Automatic bill payments Costs There are no fees to sign up and no fees if you never use Overdraft Privilege. If you utilize this privilege, we will charge a fee of up to $20 each time we pay an overdraft. As a courtesy, we limit the total number of fees for overdrawing your account to five per day. Act Today! We will not authorize and pay overdrafts for everyday debit card transactions unless you ask us to. If you want to opt in, log in to Online Branch, click on Account Management and choose the checking accounts and debit cards you’d like covered.