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Southwest State Bank


NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS - Please refer to FDIC Insurance Protection page located in "Other Services".


Overdraft Privilege

Ever Make A Mistake? Ever Caught A Little Short? We Care!
We’ll Even Consider Paying Your Overdrafts!

We are trying to do all we can to help. We have added convenient Overdraft Privilege service to eligible personal checking accounts. When you make mistakes or write a check for more money than you have in your account, we have a discretionary overdraft service that might be helpful (some restrictions apply):

Overdraft Privilege Means:

  • Fewer charges from retailers for insufficient checks!
  • Additional convenience and flexibility in managing your funds!
  • Less aggravation and embarrassment!

To qualify for Overdraft Privilege you must have made deposits totaling $500 within the last 30 days.

You have the right to “Opt In” to this service at any time. If you “Opt In” when opening a new account, after a 30-day waiting period, the service will be activated. If at any time following the 30-day waiting period you choose to “Opt In”, simply call Customer Service and tell them you want this service. Or you can “Opt In” by logging into your account online, clicking the “Opt In/Out” button in the menu bar, and filling out and submitting the online form. To qualify you must have made deposits totaling at least $500 within the last 30 days.

Of course, we are not promising to pay overdrafts, but if you maintain your eligible account in good standing, rather than automatically returning unpaid any non-sufficient funds items that you may have, we will consider, without obligations on our part, payment of your reasonable overdrafts.

We are not obligated to pay any item presented for payment if your account does not contain sufficient collected funds even if we may have previously paid such items.

Overdraft Privilege is another good service and another good reason to for banking with Southwest State Bank.  If you have questions, please call Customer Service at (580) 393-4367.

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