Overdraft Privilege 
Everyone makes mistakes. We can help make sure your accounts are protected from overdraft and the penalties that come with them.
Checks and pre-authorized payments are automatically covered for a small fee that you don’t pay unless you use it. You must consent to authorize coverage for your debit card and ATM transactions too, and get the peace of mind you deserve.
 
Details
·         Protect checking accounts from overdraft
·         Automatic transfers to cover overages
·         No fee unless you use it
·         Checks and automatic bill payments are automatically covered
·         Consent to cover ATM, debit card, and one-time transactions
·         Automatic transfers from linked accounts available
 
*Accounts will be charged the standard overdraft fee of $32.00 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $32.00 for items returned.
 
*You have 32 days to repay or cover any overdraft. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of 24 hours, if you default on any loan or other obligation to Vantage Bank or if your account is subject to any legal or adminisrative order or levy.
Alternate Overdraft Options
We also offer other overdraft protection plans, such as a link to a savings account or a line of credit, which may be less expensive than Overdraft Privilege. To learn more, ask us about these plans.
How to Consent
Make sure to consent for overdraft privilege extended coverage on your account to ensure all of your overdrafts are paid. To consent, sign into Online Banking and submit the Overdraft Consent Form found in the Secure Forms menu or print the form below & bring it in to a Vantage Bank branch or give us a call at (256) 878-8799, (256) 528-7801, (877) 606-2265.

Click here for the Printable Consent Form