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Overdraft Privilege

Using your JBT checking account is a great way to transact business. It is even easier when you use a JBT ATM or Debit Card, electronic bill pay, or our other convenience services. Although the majority of our customers do not routinely overdraw their account, we understand that life doesn’t always go as planned.

That’s why JBT offers Overdraft Privilege—a service that honors, at our discretion, transactions that exceed your account balances. This “safety net” allows your transactions to be approved when you need funds most. Without this service in an overdraft situation, your transaction would be declined.

To receive Overdraft Privilege service on ATM card and everyday debit card transactions, you must “OPT-IN”.

View our helpful What You Need to Know Option Form to help you make the best decision and inform us of your choice. Simply review the information, mail the completed form to us or call 717-274-7557. We will then mail you a confirmation notice of your coverage choice. If you would like to discuss your options in more detail, please visit your nearest JBT community branch.

If you do not respond or if you OPT OUT of this service, your transactions will be declined when an overdraft occurs. Please note: This Opt-In rule applies ONLY to ATM and everyday debit card transactions, and does not pertain to Overdraft Privilege services associated with your written checks and reoccurring debit transactions, such as regularly scheduled bill payments.

Overdraft option form pdf

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