Overdraft Privilege

Overdraft Coverage Options

JBT understands that unexpected account overdrafts occur from time to time. Overdraft Coverage can help you control how to manage overdrafts to avoid hassles when you are accessing funds for purchases or cash withdrawals. Click on any of the 3 tabs below to view complete details:

Service1 Cost
Overdraft Protection Link from Another Deposit Account you have at JBT2 $0 fee per transfer
Overdraft Protection Line of Credit3 (Secured4/Unsecured) Variable APR5; $0 fee per transfer
Overdraft Privilege $32 Overdraft Fee per item

1Call us at (717)274-5180 option 1 or visit any JBT branch to sign up or apply for these services; 2Subject to regulatory transaction limits; 3Subject to credit approval; 4Home Equity Line of Credit subject to third party fees at account opening; 5The annual percentage rate is based on an index (Wall Street Journal prime rate). Please contact a JBT Representative for the current rate.

Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another JBT deposit account at no charge or from a line of credit for a finance charge, as noted in the chart above. Please note that overdraft lines of credit are subject to credit approval.

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee, as noted in the chart above, in order to pay a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted. Your Overdraft Privilege Limit is determined by your checking account type.

Transactions Covered with Overdraft Privilege Standard Coverage
(No action required)
Extended Coverage
(Your consent required)*
If you would like to select Extended Coverage for future transactions:

  • Call us at (717) 274-5180 option 1
  • Visit any branch
  • Complete the consent form and mail it to JBT, ATTN: Client Resource Center, 421 E Penn Ave, Cleona PA 17042
  • contact us through secure messaging when you login to JBT Online Banking
Checks X X
ACH - Automatic Debits X X
Recurring Debit Card Payments X X
Online Bill Pay Items X X
Internet Banking Transfers X X
Telephone Banking X X
Teller Window Transactions X X
ATM Transactions X*
Everyday Debit Card Transactions X*

*If you choose Extended Coverage, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage. You can discontinue Overdraft Privilege in its entirety by contacting us at (717) 274-5180 option 1, by sending a secure message (when you login to your JBT Online Banking), or by visiting any JBT branch.

Your overdraft privilege or overdraft protection may be available to initiate bill pay, Internet banking or telephone transfers, which may cause you to incur fees.

What Else You Should Know

  • A link to another account or a line of credit may be a less expensive option than an overdraft. A single larger overdraft will result in just one fee, as opposed to multiple smaller overdrafts. Good account management is the best way to avoid overdrafts.  Use our mobile banking, Internet banking, and telephone banking services to keep track of your balance.
  • The $32 Overdraft Fee is the same fee amount that is charged if a check is returned as unpaid. If multiple items overdraw your account on the same day, each item will be assessed an appropriate Overdraft Fee or a Returned Item Fee of $32. All fees and charges will be included as part of the Overdraft Privilege limit amount. Your account may become overdrawn in excess of the Overdraft Privilege limit amount as a result of a fee.
  • For consumer accounts, there is a limit of 4 Overdraft Fees ($128) per day we will charge. We will not charge an Overdraft Fee if a consumer account is overdrawn by $10 or less.
  • We generally post items in the following order: 1) Credits such as over the counter deposits and electronic “ACH” deposits 2) ATM transactions (low to high by dollar amount) 3) Point of Sale (POS) debit card transactions (low to high by dollar amount) 4) Automated Clearing House (ACH) debits such as payments you have set up through merchants, vendors or utility companies  (low to high by dollar amount) 5) Checks presented in person or by a payee at a JBT branch location (low to high by dollar amount) and 6) Checks presented through other financial institutions (low to high by dollar amount); however, exceptions will occur. Holds on funds (described below) and the order in which transactions are posted may impact the total amount of Overdraft Fees or Returned item Fees assessed.
  • Although under payment system rules, JBT may be obligated to pay some unauthorized debit card transactions, JBT will not authorize debit card or ATM transactions unless there are available funds (including Overdraft Coverage Options) to cover the transactions and any fee(s).
  • Giving us your consent to pay every day debit card and ATM overdrafts on your consumer account may result in you incurring Overdraft Fees for transactions that we would otherwise be required to pay without assessing an Overdraft Fee. However, your consent would allow us to authorize transactions up to the amount of your Overdraft Privilege limit and may also help you avoid overdrafts in excess of your available funds that could result in restriction of your debit card.
  • JBT authorizes and pays transactions using the available balance in your account. The available balance is comprised of the ledger balance (collected funds) plus any ACH or memo posted credits less any ACH or memo posted debit holds, and does not include any deposited funds on hold. JBT may place a hold on deposited funds in accordance with our Deposit Account Agreement and Disclosure. If the funds in the available balance are not sufficient to cover a transaction, any available overdraft protection and/or the amount of the Overdraft Privilege limit, may be used to authorize and pay a transaction.
  • Please be aware that the Overdraft Privilege amount is not included in your balance provided through online banking, mobile banking or JBT’s ATMs.
  • JBT will place a hold on your account for any authorized debit card transaction until the transaction settles (usually within two business days) or as permitted by payment system rules. In some cases, the hold may exceed the amount of the transaction. When the hold ends the funds will be added to the available balance in your account. If your account is overdrawn after the held funds are added to the available balance and the transaction is posted to the available balance, an Overdraft Fee may be assessed.
  • Except as described on this page, JBT will not pay items if your account does not contain available funds (including the Overdraft Privilege limit) to cover the item(s) and the amount of any fee(s).
  • We may restrict your debit card use if you incur overdrafts in excess of the available funds in your account, including any Overdraft Privilege limit. If you use your debit card for recurring payments, e.g., utilities, you are responsible to make other arrangements for your recurring debit payment(s) if your debit card is ever suspended.
  • Overdraft Privilege is not a line of credit; it is a discretionary overdraft service that can be withdrawn at any time without prior notice.
  • Overdraft Privilege may be discontinued if you are in default on any loan or line of credit or any other JBT obligation, you have filed for bankruptcy protection, your account becomes subject to legal action, or you fail to maintain your account in good standing by not bringing any negative balance in your account to a positive balance at least once every 32 days for a minimum of one business day.
  • Depositor(s) and each Authorized Signatory will continue to be liable, jointly and severally, for all overdraft and fee amounts, as described in the Deposit Account Agreement and Disclosure. The total (negative) balance, including all fees and charges, is due and payable upon demand.

If you have any questions about Overdraft Protection or Overdraft Privilege, please call us at (717) 274-5180 option 1 or visit your local branch.

Service1 Cost
Overdraft Protection Link from Another Deposit Account you have at JBT,2 $0 fee per transfer
Overdraft Protection Line of Credit3 (Secured4/Unsecured) Variable APR5; $0 fee per transfer
Overdraft Privilege $32 Overdraft Fee per item

1Call us at (717)274-5180 option 1 or visit any JBT branch to sign up or apply for these services; 2Subject to regulatory transaction limits; 3Subject to credit approval; 4Home Equity Line of Credit subject to third party fees at account opening; 5The annual percentage rate is based on an index (Wall Street Journal prime rate). Please contact a JBT Representative for the current rate.

Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another JBT deposit account at no charge or from a line of credit for a finance charge, as noted in the chart above. Please note that overdraft lines of credit are subject to credit approval.

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee, as noted in the chart above, in order to pay a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted. Your Overdraft Privilege Limit is determined by your checking account type.

Transactions Covered with Extended Overdraft Privilege
Checks X
ACH - Automatic Debits X
Recurring Debit Card Payments X
Online Bill Pay Items X
Internet Banking Transfers X
Telephone Banking X
Teller Window Transactions X
ATM Transactions X*
Everyday Debit Card Transactions X*

*You have the option to request “Standard Coverage”, which includes all of the transactions listed above, except ATM and everyday debit card transactions. You can discontinue Overdraft Privilege in its entirety by contacting us at (717) 274-5180 option 1, by sending a secure message (when you login to your JBT Online Banking), or by visiting any JBT branch.

Your overdraft privilege or overdraft protection may be available to initiate bill pay, Internet banking or telephone transfers, which may cause you to incur fees.

What Else You Should Know

  • A link to another account or a line of credit may be a less expensive option than an overdraft. A single larger overdraft will result in just one fee, as opposed to multiple smaller overdrafts. Good account management is the best way to avoid overdrafts.  Use our mobile banking, Internet banking, and telephone banking services to keep track of your balance.
  • The $32 Overdraft Fee is the same fee amount that is charged if a check is returned as unpaid. If multiple items overdraw your account on the same day, each item will be assessed an appropriate Overdraft Fee or a Returned Item Fee of $32. All fees and charges will be included as part of the Overdraft Privilege limit amount. Your account may become overdrawn in excess of the Overdraft Privilege limit amount as a result of a fee.
  • For consumer accounts, there is a limit of 4 Overdraft Fees ($128) per day we will charge. We will not charge an Overdraft Fee if a consumer account is overdrawn by $10 or less.
  • We generally post items in the following order: 1) Credits such as over the counter deposits and electronic “ACH” deposits 2) ATM transactions (low to high by dollar amount) 3) Point of Sale (POS) debit card transactions (low to high by dollar amount) 4) Automated Clearing House (ACH) debits such as payments you have set up through merchants, vendors or utility companies  (low to high by dollar amount) 5) Checks presented in person or by a payee at a JBT branch location (low to high by dollar amount) and 6) Checks presented through other financial institutions (low to high by dollar amount); however, exceptions will occur. Holds on funds (described below) and the order in which transactions are posted may impact the total amount of Overdraft Fees or Returned item Fees assessed.
  • Although under payment system rules, JBT may be obligated to pay some unauthorized debit card transactions, JBT will not authorize debit card or ATM transactions unless there are available funds (including Overdraft Coverage Options) to cover the transactions and any fee(s).
  • Giving us your consent to pay every day debit card and ATM overdrafts on your consumer account may result in you incurring Overdraft Fees for transactions that we would otherwise be required to pay without assessing an Overdraft Fee. However, your consent would allow us to authorize transactions up to the amount of your Overdraft Privilege limit and may also help you avoid overdrafts in excess of your available funds that could result in restriction of your debit card.
  • JBT authorizes and pays transactions using the available balance in your account. The available balance is comprised of the ledger balance (collected funds) plus any ACH or memo posted credits less any ACH or memo posted debit holds, and does not include any deposited funds on hold. JBT may place a hold on deposited funds in accordance with our Deposit Account Agreement and Disclosure. If the funds in the available balance are not sufficient to cover a transaction, any available overdraft protection and/or the amount of the Overdraft Privilege limit, may be used to authorize and pay a transaction.
  • Please be aware that the Overdraft Privilege amount is not included in your balance provided through online banking, mobile banking or JBT’s ATMs.
  • JBT will place a hold on your account for any authorized debit card transaction until the transaction settles (usually within two business days) or as permitted by payment system rules. In some cases, the hold may exceed the amount of the transaction. When the hold ends the funds will be added to the available balance in your account. If your account is overdrawn after the held funds are added to the available balance and the transaction is posted to the available balance, an Overdraft Fee may be assessed.
  • Except as described on this page, JBT will not pay items if your account does not contain available funds (including the Overdraft Privilege limit) to cover the item(s) and the amount of any fee(s).
  • We may restrict your debit card use if you incur overdrafts in excess of the available funds in your account, including any Overdraft Privilege limit. If you use your debit card for recurring payments, e.g., utilities, you are responsible to make other arrangements for your recurring debit payment(s) if your debit card is ever suspended.
  • Overdraft Privilege is not a line of credit; it is a discretionary overdraft service that can be withdrawn at any time without prior notice.
  • Overdraft Privilege may be discontinued if you are in default on any loan or line of credit or any other JBT obligation, you have filed for bankruptcy protection, your account becomes subject to legal action, or you fail to maintain your account in good standing by not bringing any negative balance in your account to a positive balance at least once every 32 days for a minimum of one business day.
  • Depositor(s) and each Authorized Signatory will continue to be liable, jointly and severally, for all overdraft and fee amounts, as described in the Deposit Account Agreement and Disclosure. The total (negative) balance, including all fees and charges, is due and payable upon demand.

If you have any questions about Overdraft Protection or Overdraft Privilege, please call us at (717) 274-5180 option 1 or visit your local branch.

Service1 Cost
Overdraft Protection Link from Another Deposit Account you have at JBT,2 $0 fee per transfer
Overdraft Protection Line of Credit3 (Secured/Unsecured) $0 fee per transfer + interest
Overdraft Privilege $35 Overdraft Fee per item

1Call us at (717)274-5180 option 1 or visit any JBT branch to sign up or apply for these services; 2Subject to regulatory transaction limits; 3Subject to credit approval.

Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another JBT deposit account at no charge or from a line of credit for a finance charge, as noted in the chart above. Please note that overdraft lines of credit are subject to credit approval.

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted. Your Overdraft Privilege Limit is determined by your checking account type.

Transactions Covered with Business Overdraft Privilege*
Checks X
ACH - Automatic Debits X
Recurring Debit Card Payments X
Online Bill Pay Items X
Internet Banking Transfers X
Telephone Banking X
Teller Window Transactions X
ATM Transactions X
Everyday Debit Card Transactions X

*You can discontinue Overdraft Privilege in its entirety by contacting us at (717) 274-5180 option 1, by sending a secure message (when you login to your JBT Online Banking), or by visiting any JBT branch.

Your overdraft privilege or overdraft protection may be available to initiate bill pay, Internet banking or telephone transfers, which may cause you to incur fees.

What Else You Should Know

  • A link to another account or a line of credit may be a less expensive option than an overdraft. A single larger overdraft will result in just one fee, as opposed to multiple smaller overdrafts. Good account management is the best way to avoid overdrafts. Use our mobile banking, Internet banking, and telephone banking services to keep track of your balance.
  • The $35 Overdraft Fee is the same fee amount that is charged if a check is returned as unpaid. If multiple items overdraw your account on the same day, each item will be assessed an appropriate Overdraft Fee or a Returned Item Fee of $35. All fees and charges will be included as part of the Overdraft Privilege limit amount. Your account may become overdrawn in excess of the Overdraft Privilege limit amount as a result of a fee.
  • We generally post items in the following order: 1) Credits such as over the counter deposits and electronic “ACH” deposits 2) ATM transactions (low to high by dollar amount) 3) Point of Sale (POS) debit card transactions (low to high by dollar amount) 4) Automated Clearing House (ACH) debits such as payments you have set up through merchants, vendors or utility companies (low to high by dollar amount) 5) Checks presented in person or by a payee at a JBT branch location (low to high by dollar amount) and 6) Checks presented through other financial institutions (low to high by dollar amount); however, exceptions will occur. Holds on funds (described below) and the order in which transactions are posted may impact the total amount of Overdraft Fees or Returned item Fees assessed.
  • JBT authorizes and pays transactions using the available balance in your account. The available balance is comprised of the ledger balance (collected funds) plus any ACH or memo posted credits less any ACH or memo posted debit holds, and does not include any deposited funds on hold. JBT may place a hold on deposited funds in accordance with our Deposit Account Agreement and Disclosure. If the funds in the available balance are not sufficient to cover a transaction, any available overdraft protection and/or the amount of the Overdraft Privilege limit, may be used to authorize and pay a transaction.
  • Please be aware that the Overdraft Privilege amount is not included in your balance provided through online banking, mobile banking or JBT’s ATMs.
  • JBT will place a hold on your account for any authorized debit card transaction until the transaction settles (usually within two business days) or as permitted by payment system rules. In some cases, the hold may exceed the amount of the transaction. When the hold ends the funds will be added to the available balance in your account. If your account is overdrawn after the held funds are added to the available balance and the transaction is posted to the available balance, an Overdraft Fee may be assessed.
  • Except as described on this page, JBT will not pay items if your account does not contain available funds to cover the item(s) and the amount of any fee(s).
  • We may restrict your debit card use if you incur overdrafts in excess of the available funds in your account, including any Overdraft Privilege If you use your debit card for recurring payments, e.g., utilities, you are responsible to make other arrangements for your recurring debit payment(s) if your debit card is ever suspended.
  • Overdraft Privilege is not a line of credit; it is a discretionary overdraft service that can be withdrawn at any time without prior notice.
  • Overdraft Privilege may be discontinued if you are in default on any loan or line of credit or any other JBT obligation, you have filed for bankruptcy protection, your account becomes subject to legal action, or you fail to maintain your account in good standing by not bringing any negative balance in your account to a positive balance at least once every 32 days for a minimum of one business day.
  • Depositor(s) and each Authorized Signatory will continue to be liable, jointly and severally, for all overdraft and fee amounts, as described in the Deposit Account Agreement and Disclosure. The total (negative) balance, including all fees and charges, is due and payable upon demand.

If you have any questions about Overdraft Protection or Overdraft Privilege, please call us at (717) 274-5180 option 1 or visit your local branch.