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Account-holder Overdraft Policy

An insufficient balance can occur with the payment of checks, electronic transactions, unpaid items deposited in your account, service charges, or deposit of items which are not yet available according to the banks Funds Availability Policy. We are not obligated to pay any item presented for payment if your account does not contain sufficient funds.

We may approve your overdraft items within your current available Overdraft Protection limit as a non-contractual courtesy. The privilege is available for your use if you make deposits that bring your account positive (after end of day processing) at least once every 30 calendar days, you do not use your Overdraft Protection as an ongoing source of funds, no legal orders have been placed against your account and you do not have any past due mortgage or consumer loan payments. Your overdrawn balance will include any fees charged against the account.

At account opening, you will have a choice to activate Overdraft Protection. Your account will be monitored for 90 days to determine if it qualifies for Overdraft Protection. To be approved, your account must be in good standing with a positive balance history for the duration of the monitoring period.

Upon a successful good standing review the overdraft Protection will be enabled. With your consent, we will pay overdraft items for checks, teller window, ACH transactions, ATM withdrawals and one time debit card transactions. A consent form will be provided to you at the time you open your account to authorize the service. You may change your decision at any time.

Any electronic balance provided to you during a balance inquiry will not reflect Overdraft Protection limit.

We post credits (deposits) before debits, with electronic transactions and teller cashed items paid first and then checks in check number order, per the bank's policy. We reserve the right to change the order of payment without notice to you if we suspect fraud or possible illegal activity affecting your account. The payment order of items may create multiple overdraft items during a single banking day. If this occurs, you will be charged an Overdraft fee of $30.00 for each overdraft item paid. Normally, we will not approve an overdraft for you in excess of the predetermined amount assigned to your account type. Please note that the amount of the overdraft plus the bank's Overdraft fee of $30.00 per item will be deducted from the overdraft limit.

OakStar Bank will limit the number of NSF Fees assessed to five (5) fees per day. Any item that creates an overdraft balance of less than $5.00 in a checking account will not be assessed a fee.

We may refuse to pay an overdraft item at any time even though we may have previously paid overdrafts for you. An Insufficient Funds fee of $30.00 will be charged for each item returned. You will be notified by mail of any non-sufficient funds items paid or returned that you may have; however, we have no obligation to notify you before we pay or return any item.

Any overdrawn balance, including fees, shall be due and payable upon demand. In the event demand has not been made, you should cover the overdraft within 30 days of its occurrence. If there is an overdraft on an account with more than one owner on the signature card, each owner and agent, if applicable, shall be jointly and severally liable for all overdrafts inclusive of fees.

If you decide to not participate in the Overdraft Protection program, any overdrawn balance you may have on your account is your responsibility to cover. If you would like to have this service removed, please contact us at 417.447.0535.

Overdraft Protection is not to be viewed as an encouragement to overdraw your account. In order to avoid fees, manage your account responsibly by tracking your daily activity and reconcile regularly.

LIMITATIONS: Overdraft Protection is available to individually/jointly owned accounts. OakStar Bank reserves the right to limit participation and discontinue this service without prior notice.

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