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What Is Overdraft Protection?

An overdraft occurs when money is withdrawn from your bank account when the balance is less than the withdraw. As a result, the available balance falls below zero. When this happens, the account is considered “overdrawn.” Often times, there are fees associated with an overdrawn account. Hamilton Bank can protect you from any charges that might arise from overdraft through our overdraft line of credit. An overdraft line of credit is an agreement with us that provides your account coverage in the event it goes overdrawn. When this agreement is in place, we cover your overdraft until you can bring the account positive again. Interest will be assessed at the rate set forth in your separate Overdraft Line of Credit Agreement.

Overdraft Line of Credit Application (pdf)

 

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