Overdraft Disclosure What You Need to Know about the Bank’s 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 or a line of credit, which may be less expensive than our standard overdraft practices. To learn more, call 1.888.334.2262. 

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 number 
  • Automatic bill payments 
• We do 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 I be charged if ACNB Bank pays my overdraft? 

Under our standard overdraft practices: 

• We will charge you a fee of up to $40 each time we pay an overdraft. The fee is only assessed on the first six overdraft items per day. Overdrafts of $5.00 or less do not incur a fee. 

What if I want ACNB Bank, to authorize and pay overdrafts on my ATM and everyday debit card transactions? 

• Within the Online Account Application (For New Accounts Only) 
  • Choose “Opt in” from selection provided under “Additional Features”. 
• Within the Online Debit Card Privilege Consent Form (For Existing Accounts Only) 
  • Complete the required form fields, and click “Enroll”. 
• Or, visit a Local Office (For New or Existing Accounts) 
  • Complete and sign the Debit Card Privilege Consent Form 

Your account will NOT be assessed an overdraft fee UNLESS an overdraft occurs.