In the past, you have had the availability of a standard overdraft service for your account. This service may have been used to pay transactions submitted to your account if sufficient funds were not available to cover a check, ATM withdrawal or any debit transaction.

Recently, the Federal Reserve issued a regulation that requires banks to give customers the choice of “Opting In” to allow the continuation of the overdraft service for ATM and everyday debit card transactions.

IF YOU “OPT IN”
Your debit or ATM card will work as it usually does. If the bank authorizes an ATM or debit card transaction despite your account having insufficient funds, you will incur an overdraft fee of $28.00 (as set forth in our fee schedule). “Opting In” means you will continue to have coverage in case of a mistake in account balancing or when you may be short on cash. There is no fee for this overdraft coverage if you never use it.

LET US HEAR FROM YOU
“Opt In” to overdraft coverage for your ATM and everyday debit card transactions simply by clicking on the link below to complete your request online.  You may also “Opt in” by calling 210.283.6611 or 800.531.7650, or by printing and completing the disclosure form and presenting it at any of our banking centers or mailing it to:

Deposit Operations – Quality Control
P.O. Box 17001
San Antonio, Texas 78217-0001

Frequently Asked Questions