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Overdraft Overview - An Education on Processes, Fees & Services

WebEd's overdraft section educates you about our processes, fees, products and services to help you prevent unwanted overdraft expenses.

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How to Manage Fees For Overdraft Services

How do overdrafts happen?

An overdraft happens, for example, when you...

  • Write a check
  • Withdraw money from an ATM
  • Make an automatic bill payment
  • Use your ATM/debit card to make a purchase

...and you do not have enough money in your account, the bank has the choice to either pay or not pay the transaction.

  • If we pay the amount:
    If we pay the amount, you will be charged an "overdraft" fee.
  • If we return your check or automatic payment without paying it:
    If we return your check or automatic payment without paying it, you will be charged an “NSF or non-sufficient funds” fee.
  • If check recipient charges "returned check" fee:
    Sometimes the company or person to whom you wrote the check (store, energy company, etc.) may charge you a “returned check” fee in addition to the fee we may charge.
  • Overdraft Services
  • How to Write a Check
  • Check Endorsement
  • Checks: Do's & Don'ts
  • Balancing Your Account
  • Depositing Money
  • Reviewing Statements
  • Managing Money
  • Glossary

    What is the best way to avoid overdraft or NSF fees?

    The best way to avoid overdraft and NSF fees is to manage your account so that you do not overdraw it. Here are some steps to help you:

    • Know how much money you have in your account by keeping your check register current.
    • Record all...
      • Checks when you write them
      • Automatic bill payments
      • ATM/Debit card transactions
    • Check your balance frequently—it takes some checks and payments a few days to clear.
      • Online Banking is an excellent way to check accounts 24/7 from home.
      • Mobile Banking* gives you access to accounts when you're on the go, 24/7.
      • Bank-by-Phone service is available 24-hours-a-day for your convenience.
    • Review your account statements each month.
    • Read or print Balancing Your Account to see helpful tips so you stay on track. You can also ask your branch office for a copy.
    • Mistakes happen sometimes. If you do overdraw your account, deposit money into your account as soon as possible to cover the overdrawn amount plus any fees. This will help you avoid additional overdrafts and fees.
    • Good account management is the best way to protect your hard-earned money.

      *Fulton Bank does not charge a fee for you to use Mobile Banking. Your mobile phone provider may charge access fees or data usage fees to obtain web access. Message and data rates may apply. Check with your service carrier for more details on specific fees.

    Using our Overdraft Protection Services to avoid overdraft and NSF fees:

    Consider our Overdraft Protection services to help prevent items from being returned or incurring NSF and/or overdraft fees.

    • When an item is presented against an account that does not have enough money in it, overdraft protection may cover that item and allow payment.
    • The charge for our overdraft protection may be less than overdraft and/or NSF fees.
    • You can also set alerts through Online Banking or Mobile Banking to notify you when your account balance drops below the amount you specify. That way, you can transfer or deposit money to avoid overdrawing your account.