Debit Assist: peace of mind for debit card overdrafts

Have you ever worried about your debit card being declined at your grocery store checkout? New regulations on overdrafts, effective August 15, 2010, may affect your transactions. After you either enroll or opt out (below), we strongly recommend you print out proof of your Debit Assist selection.


What you need to know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.

We can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as links to a savings, Visa or line of credit account. To learn more about these less expensive plans, call 541.747.4231 or 800.452.9515.

This notice explains our standard overdraft practices.

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

We do authorize and pay the following types of transactions:

  • Overdrafts for checks and other transactions made using your checking account number
  • Overdrafts for automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions:

  • ATM withdrawals or transfers
  • 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 a debit card transaction, your purchase will be declined.

What fees will I be charged if Northwest Community pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee of $25 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account.