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 small NSF fee in the event your account is overdrawn.  Also, you'll never have to worry about your card being declined.

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 below:

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 declined.

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 transactions?

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:

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