Overdraft Coverage Options:
Overdraft Privilege and Overdraft Protection

Life happens! Texas Heritage Bank understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.

Overdraft Coverage Options

The choice is yours. Consider these ways to cover overdrafts:

Service

Cost

Overdraft Protection Link to Another Deposit Account you have at Texas Heritage Bank1

$0 fee per transfer

Overdraft Privilege

$30 overdraft fee per item.

Contact us at (830) 249-3955 or visit your local banking office in Cross Plains, Boerne or Leon Springs to sign up for these services.

Overdraft Protection services apply to all types of transactions and may help protect your account from being overdrawn by automatically transferring funds to your checking account from a savings account you may have at Texas Heritage Bank.

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction.

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:

Checks

X

X

ACH - Auto 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 Withdrawals

 

  X*

Everyday Debit Card Purchases

 

  X*

 

*If you choose Extended Coverage, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Extended Overdraft Privilege coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage.

You can discontinue the Overdraft Privilege in its entirety by contacting us in Boerne at (830) 249-3955 or Cross Plains at (254) 725-6141.

What Else You Should Know

If you have any questions about Overdraft Protection or Overdraft Privilege, please call us at (830) 249-3955 or visit a branch.

Enclosed Forms

Overdrafts and Overdraft Fees