Overdraft protection and service
We get it. Sometimes unanticipated expenses or a mistake in your checkbook can leave your checking account short. And getting a returned check can be costly. Inconvenient. Not to mention embarrassing. That’s why we offer two overdraft service options. Hopefully, you won’t need either, but it’s always good to have the coverage if you do.
Check protect is an overdraft privilege service. This service permits Civista Bank to authorize and pay overdrafts at its discretion for checks; in-person withdrawals, recurring debit card transactions or other automated payments within the pre-assigned limit for your account. Civista may also help pay overdrafts from ATM and one-time debit transactions if you specifically opt-in for Check Protect to apply.
There is no additional cost associated with this privilege unless you use it. If you need to use this service, the current Non-sufficient Funds (NSF) fee is charged for each item or withdrawal processed.