Overdraft Options

Overdraft Protection Options:

The choice is yours. Consider these ways to cover overdrafts:

Overdraft Protection Link to Another Deposit Account you have at St. Martin Bank and Trust Company. Fee per transfer is $5. Call us at 1-888-234-4994 or contact us to sign up.

Overdraft Protection Line of Credit – This service is subject to fees and interest; subject to credit terms and conditions. Call us at 1-888-234-4994 or contact us to apply; subject to credit approval.

Overdraft Privilege

“With our busy lives, it’s easy to make mistakes such as forgetting to deposit a check, make a transfer, or deduct your last debit charge from your balance. A simple error or balance miscalculation can lead to an unexpected shortage of funds.

St. Martin Bank and Trust Company may have the solution you’re looking for with our Overdraft Privilege program.  Overdraft Privilege is not a line of credit.  However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to your Overdraft Privilege. Please click here for more information about your overdraft coverage options.

St. Martin Bank and Trust Company will not pay overdrafts for ATM or everyday debit card transactions unless you have given your consent by extending coverage to the payment of these overdrafts. Please click here for more information about extending your Overdraft Privilege coverage.