What You Need to Know about ATM/Debit Card Overdraft Services

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:


  • We have standard overdraft practices that come with your account.
  • We also offer overdraft protection 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.

What fees will I be charged if TexasBank pays my overdraft?


Under our standard overdraft practices:

  • We will charge you a fee of up to $25 each time we pay an overdraft.
  • We will charge no more than six fees per day and there is no charge for a balance not exceeding negative $10.

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 will not authorize and pay overdrafts for the following types of transactions unless you ask us to:


  • 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 if l want TexasBank to authorize and pay overdrafts on my ATM and everyday debit card transactions?


If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call 800-281-3889, submit the form below, or visit any of our locations.

Opt In/Out Online Form

Opt In: I Want TexasBank to authorize and pay overdrafts on my ATM and everyday debit card transactions.
Opt Out: I do not want TexasBank to authorize and pay overdrafts on my ATM and everyday debit card transactions.




I/We confirm that I/We have read and understand the following disclosure regarding my right to opt in or opt out of the financial institution paying my ATM or one time debit card transactions. I also agree to receive my confirmation of my opt in or opt out decision by mail.

I understand that I have an ongoing right to change this consent at any time.

Security Code

Please enter the letters and numbers from the image above.


Alternative Ways to Opt In/Out

  • By Phone

    Our customer service representatives are standing by if you prefer to Opt In or Revoke Earlier Request by phone.

    You can find your specific branch phone number on our locations page.

  • By Mail

    If you prefer to Opt In or Revoke Earlier Request by mail, please print this form and send it to your branch.

    You can find your specific branch address on our locations page.

  • In Person

    Sometimes it's easier to talk about things in person. Please visit any of our locations and ask a personal banker to help you decide which plan is best for you.