Overdraft Coverage Options

We understand that unexpected overdrafts occur from time to time—Overdraft Protection and Overdraft Privilege can help. Consider these ways to cover overdrafts:

Overdraft Protection

Overdraft Protection services apply to all checking account transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account, a credit card cash advance1 or a line of credit1 you may have with us: 

Overdraft Protection Link to another deposit account you have with us $10 fee per transaction
Overdraft Protection Link to your CB&T Bank of Middle Georgia credit card for a cash advance1 Subject to card fees + interest
Overdraft Protection Link to a Line of Credit (LOC)1 Subject to LOC fees + interest

1Subject to credit approval.

To sign up for Overdraft Protection, contact us at (478) 929-1004 or visit your local branch.

Overdraft PrivilegeEnroll online now

Overdraft Privilege services allow you to overdraw your account for a fee of $36 per transaction ($29 for military accounts), up to the disclosed overdraft limit, in order to pay a transaction. All checking accounts come with Standard Coverage, and you can sign up for Extended Coverage to cover additional transactions.

Even if you have Overdraft Protection, such as a link to another account with us, Overdraft Privilege is still available as secondary overdraft coverage if the Overdraft Protection sources are exhausted.


Transactions Covered with Overdraft Privilege
Standard Coverage
Extended Coverage2
Checks checked checked
ACH - Auto Debits checked checked
Recurring Check Card Payments checked checked
Online Bill Pay Items checked checked
Online Banking Transfers checked checked
Teller Window Transactions checked checked
ATM Withdrawals   checked
Everyday Check Card Purchases   checked

2Extended Coverage includes transactions covered by Overdraft Privilege Standard Coverage plus ATM withdrawals and everyday check card purchases. No action is required from you to receive Standard Coverage; your consent is required to obtain Extended Coverage.

Frequently Asked Questions

How much does Overdraft Privilege cost?

There is no cost for Overdraft Privilege unless you use it. If you have an overdraft, there is a $36 overdraft fee per transaction ($29 for military accounts) that causes your account to be overdrawn.

How do I get Overdraft Privilege?

Every checking account automatically has Overdraft Privilege Standard Coverage. For new checking accounts, you will receive Overdraft Privilege Standard Coverage with a $100 overdraft limit at account opening. After your account has been open for 31 days and is in good standing, your account will be covered by the full Overdraft Privilege limit of $500 ($250 for Military Basic Checking accounts).

If you want us to authorize and pay overdrafts caused by ATM and everyday check card transactions, then you will need to select Overdraft Privilege Extended Coverage by notifying us through one of the following options:

  • Call us at 1-877-803-4810.
  • Enroll online now.
  • Download the Overdraft Privilege Extended Coverage Consent Form and mail a completed copy to Deposit Operations, P.O. Box 120, Columbus, GA 31902.
  • Visit any branch and complete the Overdraft Privilege Extended Coverage Consent Form.

What if I don’t want Overdraft Privilege?

You can discontinue Overdraft Privilege in its entirety by contacting us at (478) 929-1004. Without Overdraft Privilege, any overdrafts will be declined at the point of purchase or returned unpaid to the payee (unless you have Overdraft Protection available to cover the transactions). Also, you will be charged a $36 non-sufficient funds fee ($29 for military accounts) for each transaction that is returned unpaid.

To discontinue just the Extended Coverage portion of Overdraft Privilege, which authorizes us to pay overdrafts caused by ATM and everyday check card transactions, please call us at 1-877-803-4810.

What else do I need to know about Overdraft Coverage?

Best Practices

  • A link to another account or a line of credit could be a less expensive option than an overdraft. A single larger overdraft transaction will result in just one fee, as opposed to multiple smaller overdraft transactions.
  • Even if you have Overdraft Protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted.
  • Good account management is the best way to avoid overdrafts. Use our mobile banking, online banking, and telephone banking services to keep track of your balance.
  • For additional money management tips, review our checking account basics.

Additional Information on Fees and Charges

  • The $36 overdraft fee ($29 for military accounts) is the same fee amount that is charged if a check is returned as unpaid. If multiple transactions overdraw your account on the same day, each transaction will be assessed an overdraft fee or a non-sufficient funds fee of $36 ($29 for military accounts). All fees and charges will be included as part of the Overdraft Privilege limit amount. Your account may become overdrawn in excess of the Overdraft Privilege limit amount as a result of a fee.
  • If your account balance remains overdrawn for longer than 7 consecutive calendar days, we will charge your account an overdraft collection fee of $35 ($25 for military accounts).
  • There is a limit of 6 overdraft fees ($216) per day we will charge. We will not charge an overdraft fee if your account is overdrawn by $5 or less.
  • Giving us your consent to pay everyday check card and ATM overdrafts may result in you incurring overdraft fees for transactions we would otherwise be required to pay without assessing an overdraft fee. However, this would allow us to authorize transactions up to the amount of your Overdraft Privilege limit. It may also help you avoid overdrafts in excess of your available funds, which could result in restriction on the use of your check card.

Posting Order

  • This section describes our general practice for paying transactions from your account. We may vary the order of payment if items are presented that cannot be returned unpaid. We reserve the right to change how we pay transactions from your account and will provide you notice of these changes. After the close of the business day, we add your deposits and other credits to your account. We then deduct any fees and charges owed to us. Finally, we deduct all items presented for payment. The order these items are deducted from your account balance is based upon the type of transaction and, for electronic transactions, when the transaction was performed by you or was received by us. First, we pay outgoing wire transactions in the order they were made. Then, we pay electronic transactions (First, we pay preauthorized ACH debits, then ATM transactions, and then check card transactions.) in the order they were performed by you or were received by us. Next, we pay unnumbered checks and other items drawn on your account by dollar amount in ascending order. Finally, we pay checks drawn on your account in ascending check number order.
  • The order in which transactions are posted may impact the total amount of overdraft or return fees assessed.

Restrictions and Holds

  • Although under transaction processing requirements we may be obligated to pay some unauthorized check card transactions, we will not authorize check card or ATM transactions unless there are available funds (including Overdraft Coverage options, if applicable) to cover the transactions and any fee(s).
  • Except as described in this document, we will not pay transactions if your account does not contain available funds (including the Overdraft Privilege limit) to cover the transaction(s) and the amount of any fee(s).
  • We may restrict your check card use if you incur overdrafts in excess of the available funds in your account, including any Overdraft Privilege limit.
  • We will place a hold on your account (for up to three business days) for any authorized signature-based check card transaction until the transaction settles or as permitted by transaction processing requirements.

Other Disclosures

  • Overdraft Privilege is not a loan or a line of credit; it is a discretionary overdraft service that can be withdrawn at any time without prior notice.
  • Overdraft Privilege may be discontinued if you default on any loan or other obligation to us, if your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within 32 days for a minimum of one business day.
  • All account owners will continue to be liable, jointly and severally, for all overdraft and fee amounts, as described in the Terms and Conditions of Your Account. The total (negative) balance, including all fees and charges, is due and payable upon demand.