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Extended Overdraft Privilege

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 transfer plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices.  To learn more, ask us about these plans.

 This notice explains our standard overdraft practices.

Overdraft Protection

Overdraft Protection consists of two products offered by CNB that protect you during those unexpected times when your checking account balance drops below zero.  CNB offers three convenient services; Overdraft Transfer, Overdraft Protection Line of Credit and Overdraft Privilege. 

Overdraft Transfer

Overdraft Transfer is a prearranged transfer from another CNB account, checking or savings account. Funds can be transferred in predetermined increments to cover a deficit balance in your checking account. Transfers are done in $10.00 increments and there is a charge of $10.00 per transfer.

Overdraft Privilege

Overdraft Privilege allows you to overdraw eligible accounts up to a disclosed limit for a fee to pay a transaction.  If you have Overdraft Protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted. There is a $30.00 NSF DDA Paid fee per item. * Daily fees may apply.

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

  • We do authorize and pay overdrafts for the following types of transactions:
    • Checks and other transactions made using your checking account number
    • Automatic bill payments
  • We do not authorize and pay overdrafts for the following types of transactions unless you give us permission: 
    • 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.
  • Your account may be closed if you fail to bring your account to a positive balance.

What fees will I be charged if CNB Bank & Trust, N.A. pays my overdraft?

  • Under our standard overdraft practices: 
    • We will charge you a fee of up to $30 per item.
    • Also, if your account remains overdrawn by $500 for three or more consecutive business days, we will charge an additional $5 per day.   
    • In addition, overdraft balances greater than $1,000 will be charged at $1.00 per $1,000 overdraft balance on any day debits that are posted.
    • There is a limit of $150 NSF DDA Paid fees per day we can charge. *Consumer accounts only


*If you choose Extended Coverage on your consumer account, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Extended Overdraft Privilege coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage.

You can discontinue the Overdraft Privilege in its entirety by contacting us at (866) 342-2620 or email us at

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