||Courtesy Select & Courtesy Select PLUS
||Transfer From Another Farmers Bank Account
||Chequeline Overdraft Protection
||No Overdraft Protection
|How does it work?
||Bank pays overdraft transaction(s) on your behalf.
||Funds are transferred from an account you designate to cover overdraft transactions.
||Line of credit that covers overdraft transactions.
||Checks may be returned and retailer returned check fees may apply. When you do not have enough money in your account, ATM and Debit Card transactions will be declined.
||$35 per item
||$10 per transfer
||$10 per transfer
||$35 for each returned check or item returned for insufficient funds.
|What Overdrafts are covered?
||Covers up to a predetermined dollar amount (No set up fee).
||Covers up to amount available in your designated account (No setup fee).
||Covers up to amount available on your line of credit (No setup fee).
||Courtesy Select is subject to bank approval.Courtesy Select PLUS requires Opt In for consumer accounts.
||Transfer amount is limited by amount available in your account (s).
||Overdraft line of credit is subject to approval.
||You will have no overdraft protection to pay your checks or authorize your ATM and Debit Card transactions when your balance runs low. This will result in fees for insufficient funds plus any retailer returned check fees.
||Saves the high cost of returned check fees charged by retailers.Provides emergency funds for check, ATM**** and Debit Card**** transactions when there is not enough money in your account.
||Since overdrafts are paid with funds from your account(s), you only pay one small transfer fee versus higher overdraft fees for each overdraft item.
||Since overdrafts are paid from your line of credit, you pay a small transfer fee plus a finance charge on the amount advanced versus higher overdraft fees for each item.
||You repay the overdraft balance including fees by making an immediate deposit.
||Pay off the entire amount or make minimum monthly payments. The monthly payment is 3% of the outstanding balance or $25 – whichever is greater.
||You may pay the retailer for the amount of any returned checks plus any returned check fees.