Potential overdrafts can be handled in various ways

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Overdraft Protection Service

Automatically transfer funds from another one of your INTRUST accounts.

Eliminate any worry about overdrafts and multiple fees by transferring funds to your checking account from any of the following account types: INTRUST Savings, Money Market, or Other Checking Account. Funds are withdrawn from your savings, money market, or other checking account as needed. To designate an account for overdraft protection, contact customer service.

View our Overdraft Protection Service Terms for Using Your Savings, Money Market, or Checking Account

Bounce Blocker®1

INTRUST may authorize and pay overdrafts to help temporarily cover unexpected expenses or record keeping errors.

On the occasion you find yourself a little short in your account, INTRUST Bounce Blocker1 can save you the cost and inconvenience of returned checks or declined transactions.

If you are handling your account in a responsible manner, we may consider, at our discretion, providing Bounce Blocker on your account and paying items that overdraw your account instead of declining them.2 INTRUST Bounce Blocker may be activated when your account is overdrawn by writing a check; making an in-person withdrawal or an automated payment; or other transaction.2,3

If we have previously paid one of your items into overdraft, we cannot guarantee that we will pay future items into overdraft.4

If you enroll in the overdraft protection service, INTRUST Bounce Blocker will be secondary to this service.

Opt in or out of Standard Overdraft Services

Financial institutions, at their discretion, extend overdraft services to consumers as a courtesy to cover check, debit card or ATM transactions at critical times. In return, consumers are charged an overdraft fee for this service. In order for INTRUST to cover one-time debit card or ATM transactions that will overdraw your account, we are required to seek your consent.

If we do not receive your consent, your debit card will likely be declined if the debit or ATM transaction will overdraw your account.

Opt in or out of Standard Overdraft Services

Ways to Avoid Overdrafts

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The easiest way to avoid overdrafts is to be cautious and not spend more than you have available in your account. Here are a few ways to help keep your account balance in check.

  • Monitor your account activity with INTRUST Personal Online and Mobile Banking. You can access your account 24 hours a day, 7 days a week for a comprehensive view of your account activity.5
  • Use online banking to set up email and text alerts for when your account has reached a set minimum balance threshold.
  • Keep track of fees or interest that may be applied to your account by reviewing your statement each month.

Frequently Asked Questions

How can my payments be paid when there is not enough money in my account to cover them?
Our Overdraft Protection Service lets you link your checking account to another account such as a savings account, money market account, or other checking account.
Why do banks pay overdrafts?
Banks pay overdrafts because people often are willing to pay a fee to have payments made, even if they don't have enough money in their account, in order to avoid the inconvenience, additional merchant fees, and embarrassment. For example, you may want the bank to pay a check or electronic or automatic payment because if it is returned, you might have to pay a fee to the payment recipient and also because in the future, your checks or electronic and automatic payments may no longer be accepted. People may also want their ATM and other debit card transactions paid in order to avoid embarrassment or to help them in an emergency.
What happens if I do overdraft and have not signed up for the Overdraft Protection Service?
An overdraft occurs when you write a check or use your debit card for a purchase that you don't have enough money in your checking account to cover. Some banks provide a discretionary overdraft service to pay the transaction. INTRUST does too, and we call it Bounce Blocker®. If Bounce Blocker funds are used you will be charged an overdraft fee.
What if I do not want funds automatically advanced to cover an overdraft in my account?
If you do not want the bank to pay overdrafts on your account using our discretionary overdraft service, Bounce Blocker, you may decline the service by visiting any INTRUST Bank location or calling customer service.
Why should I routinely manage my checking account?
As a checking customer, it's important to monitor your account regularly to track purchases and deposits in order to ensure you have funds available to pay transactions. Doing so also enables you to keep an eye out for unauthorized access to your account and to catch potential fraud issues early.
When should I make a deposit to avoid an overdraft?
Our cutoff time for deposits is 6:00 p.m. CT. The cutoff time for Online Banking is 10:00 p.m. and 8:00 p.m. CT for Mobile Check Deposit. If you make a deposit prior to the cutoff time, it will count on that same day's business. If you conduct transactions or make a deposit on a weekend or holiday, it will apply to the next business day.
Can you charge a fee for paying an ATM or everyday debit card transactions if I do not have funds in my account?
Regulation requires that you must expressly agree, that is, "opt-in," before the bank may charge you a fee for paying an ATM or everyday debit card transaction that will cause an overdraft on the account.
What if I overdraft and haven't opted in for debit card and ATM transactions?
In that event, INTRUST will most likely decline the transaction.
If I opt-in, will the bank always pay my ATM and debit card transactions?
No. Our standard overdraft service is an accommodation provided at the bank's discretion. Unless you have signed up for the Overdraft Protection Service to link your checking account to another account such as a savings, money market, or other checking account, and that account has funds available, the bank does not guarantee that your ATM and debit card transaction will be paid even if you opt-in.
If I do NOT opt-in, does it mean that I will never overdraw my account using my debit card?
No. There are limited circumstances (such as authorized debit card transactions) when it will not be possible for the bank to avoid paying an ATM or other debit card transaction you made, even if there is not enough money in your account. You should not assume that because the ATM or other debit card transaction goes through that there is enough money in your account to cover it. If the overdraft is caused by an ATM or everyday transaction using your debit card, the bank may not charge you an overdraft fee, but you must still repay the bank to cover the overdraft. If the overdraft is caused by a recurring payment using your debit card, you will be responsible to pay an overdraft fee in addition to repaying the bank to cover the overdraft. The bank will rely on each merchant to code the transaction as a recurring or everyday payment.
How does INTRUST know my debit card transaction is a one-time, everyday transaction versus a recurring transaction?
The type of debit card transaction is determined by a special code the merchant submits with the payment transaction. If the merchant codes the transaction incorrectly, INTRUST will not know and will process the transaction as instructed.
Are there fees if I opt-in?
Yes, you will pay a per item overdraft fee of $25 for each transaction that overdraws your account, with a maximum of five (5) per day.
How do I opt-in for the bank to pay ATM and one-time debit card transactions?
You can opt-in online at intrustbank.com/optin, in person at any banking center or by contacting us. You can change your mind at any time.
May I opt-in at the time of the debit card transaction?
No. You must opt-in in advance. INTRUST is required by regulation to provide you written confirmation of your opt-in request and will not change your account record until that confirmation is sent. If you think you will want your ATM and debit card overdrafts paid and are willing to pay for it, you should opt-in before you need it.
INTRUST sometimes pays my checks, ACH (automated payments), or recurring debit card transactions even if I do not have enough money in the account. If I do not "opt-in," will INTRUST still continue, at its discretion, to pay checks, ACH, or recurring debit card transactions even if I do not have enough money in the account?
INTRUST may continue paying checks, ACH, or recurring debit card transactions at our discretion without prior notice to you.1 Many of our customers appreciate knowing their important checks and payments may be paid even when their account balance falls a little short (some recurring debit card transactions may not be paid without your consent). It ensures they will avoid costly fees from other parties and credit dings.
What about automatic bill payments that I have arranged to be paid through my debit card? If I do not opt-in, will they always be returned if there isn't enough money in the account?

Automatic bill payments made through the debit card will likely be declined if you have not agreed to pay a fee to have ATM and debit card overdrafts paid.

  1. You may decline Bounce Blocker by visiting any INTRUST Bank location or by calling customer service.
  2. If you do not have sufficient funds available in your account to authorize or pay for a transaction and Bounce Blocker funds are used, the funds will automatically be advanced and you will automatically be charged an overdraft fee. You will not receive prior notice of the advancement of funds, the overdraft of your account, or the charging of the overdraft fee(s).
  3. Your account will be charged a per-item overdraft fee of $25. This fee of $25 for ATM and one-time debit card transactions will only be charged on your consumer account, if you have agreed to such fees. Multiple fees may apply. Fees are included in the daily account limit. Bounce Blocker is not available to be used on all types of transactions.
  4. Transactions will not be processed in the order in which they occurred. Order of processing will affect the total amount of overdraft fees. Please refer to the Terms and Conditions for Your Deposit Accounts (Deposit Agreement) for additional information on processing. You agree to pay us the amount of any overdraft, including fees, immediately.
  5. Transactions appearing on Online Banking or Mobile Banking will not be in order in which they will be processed. Transactions will not be processed in the order in which they occurred. Your account balance may not reflect unprocessed ATM and debit card transactions, checks you have issued but have not reached the bank or any additional purchases or transactions which you have made but have not reached the bank. A portion of your balance may not be available for immediate withdrawal. Please refer to the Terms and Conditions for Your Deposit Accounts (Deposit Agreement) for additional information on processing. Order of processing will affect the total amount of overdraft fees. You agree to pay us the amount of any overdraft, including fees, immediately.