Opt In Request for Courtesy Overdraft

Recent regulatory requirements now require members to sign a consent form to participate in overdraft protection (Courtesy Overdraft) plans for ATM and everyday debit card transactions. Courtesy Overdraft protects your checking account when you don't have enough funds in your checking account to cover a retail transaction. Please note that you do not need to sign the form to continue Courtesy Overdraft for checks, ACH items, online bill payments or previously authorized recurring debit card transactions.

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 a link to a savings account

This notice explains our standard overdraft practices.

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

We do authorize and pay overdrafts for the following types of transactions:

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

After 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 be charged if The Juniata Valley Bank pays my overdraft?

Under our standard overdraft practices:

• We will charge you a fee of $37.00 each time we pay an overdraft.
• There is a limit of 10 (ten) $37.00 overdraft item charges to your account on any given business banking day, a maximum of $370.00.

What if I want The Juniata Valley Bank 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, simply click "Yes" below and then submit this form. You may also call 1-855-582-5101 Monday - Friday, 8:00 a.m. - 5:00 p.m..

*I want The Juniata Valley Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions. I understand that I have an ongoing right to revoke this consent at any time.

Please click the submit button below to complete the form.