Overdraft Protection - Personal Banking

Overdraft Protection Options

Overdraft Protection

At C&F Bank, we offer several options to cover your account in case you should accidentally overdraw your checking account. Options will be discussed with you at account opening and are as follows:



Overdraft Privilege

Save merchant charges by using Overdraft Privilege to cover your overdrafts so that your checks, debit card transactions, automatic payments and ATM withdrawals are paid.

  • We will charge you a fee¹ of up to $33 each time we pay an overdraft.
  • An additional overdraft charge fee will be assessed to your account every time that your account is continuously overdrawn for 5 consecutive business days.
  • You will not be charged for more than 10 items per day, up to a maximum of $290.00. There is no per item overdraft fee when your account is overdrawn by $3.00 or less at the end of our business day.
  • Overdraft Privilege is a discretionary service.

Overdraft Protection Transfers

You have the option to link your eligible C&F account to your primary checking account in the event of an item presented against non-sufficient funds. One transfer will be made at the end of each banking day to cover any items presented against non-sufficient funds. Transfer fees apply. Transaction limits and excess withdrawal fees apply to savings accounts.

Easy Access Line of Credit²

This line of credit advances money into your account each day to cover items presented against non-sufficient funds. Transfer fees apply.

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¹The fee applies to overdrafts created by check, in-person withdrawals, ATM withdrawals, or other electronic means. Overdraft fees apply to transactions created by check, in-person withdrawal, internal transfer, or other electronic means. Overdraft fees will not be imposed on ATM withdrawals or one-time debit card items unless the account has opted-in. To remain in good standing, you must bring your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours. We reserve the right to require you to pay an overdraft immediately or on demand.

²Subject to credit approval