What You Need to Know about ATM/Debit Card Overdraft Services

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We have standard overdraft practices that may come with your account.

This notice explains our standard overdraft practice.

What are the standard overdraft practices that may come with my account?

We do authorize and pay overdrafts for customers in good standing that do not have excessive account abuse for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

Effective August 15, 2010, we will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Community Bank of Pleasant Hill pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee of $12.00 each time we pay an overdraft for items $0.01 to $10.00 and a per item fee of $29.00 for items over $10.00. (Fee amount is subject to change).
  • There is a daily limit of $225.00 total fees we can charge you for overdrawing your account.

What if I want Community Bank of Pleasant Hill to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (816) 540-2525, complete and submit the form below online, print form and present it at a branch or mail it to: P.O. Box 30, Pleasant Hill, Mo. 64080.


Personal Information

  • OKName is required
  • OKLast 4 of SSN is required
  • Home Phone

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    OKHome Phone is required
  • Daytime Phone

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    OptionalOKDaytime Phone is required
  • OKEmail is required

Opt In Choice

  • I want Community Bank of Pleasant Hill to authorize and pay overdrafts on my ATM and everyday debit card transactions

    OKI want Community Bank of Pleasant Hill to authorize and pay overdrafts on my ATM and everyday debit card transactions is required

    If yes, Please choose if you would like to Opt In for all accounts or for specified accounts.

  • I want to opt in for:

    OKI want to opt in for: is required

Specified Accounts

  • OKAccount Number 1 is required
  • OptionalOKAccount Number 2 is required
  • OptionalOKAccount Number 3 is required
  • OptionalOKAccount Number 4 is required

E-Signature

    I/We confirm that the Internet access device(s) I/we will use to receive the related legal disclosures, agreements and online account signature forms; and I/we consent to receiving the related legal disclosures, agreements, online account signature form and the instructions electronically. I/we confirm that I/we have read and understand the information regarding the right to opt in or decline this financial institution's paying ATM or one-time debit card transactions.

    OKYes, I/We Confirm is required
  • I/we understand that I have an ongoing right to change this consent at any time.

  • OK is required