Overdraft Protection

Overdraft Protection with You in Mind

If you lose track of your account
balance and withdraw more money than is in your account, we’ve got you covered. Bank of St. Francisville overdraft protection lets you link a savings or other account to automatically transfer your funds when you need them.

For customers with accounts in good standing, we offer Overdraft Privilege which provides $500 of protection for a $28 NSF fee in the event your account is overdrawn.

Bank of St. Francisville offers a variety of overdraft protection plans to cover overdrafted transactions. To activate overdraft protection on your account, contact our branch office.

Learn more about our overdraft policy

Overdraft Policies

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 you do not authorize us to pay
an overdraft and charge the appropriate fees, your transaction will be

What fees will I be charged if
Bank of St. Francisville pays my overdraft?

  • We will charge you a fee of up to $28.00 each
    time we pay an overdraft.
  • Also, we will charge an additional $5.00 for
    each 5 consecutive business days in which your account remains overdrawn.
  • There is no limit on the total fees we can charge
    you for overdrawing your account.

What if I want Bank of St.
Francisville to authorize and pay overdrafts on my ATM and everyday debit card

If you want us to authorize and
pay overdrafts on ATM and everyday debit card transactions, complete the form
below and deliver it to Bank of St.
Francisville in person or mail to:

Box 818; St. Francisville, LA 70775 or call us at 225-635-6397.