An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdrafts practices that come with your account.
2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Fremont Bank pays my overdraft?
Under our standard overdraft practices:

• We will charge you a fee of $28.00 each time we pay an overdraft, for a maximum of $140.00 per day for any combination of paid or returned items.
• Also, if your account is overdrawn for 3 or more consecutive business days, we will charge an additional $6.00 per day.
• There is no limit on the total fees we can charge you for overdrawing your account.

What if I want Fremont Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?
If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions; please respond by doing one of the following: Click - Call - Stop By or Mail

1. Click here to submit your Overdraft Services Authorization
2. Call us at 1-877-743-2582
3. Stop by your local branch
4. Mail a completed Opt-in Consent Form to: 

   FREMONT BANK
   MAIL Stop 2501-sa
   P.O. Box 5101
   Fremont, CA. 94537

For more information on the various overdraft protection options click here to see a side-by-side comparison or if you have questions visit our FAQs page.