Overdraft Protection

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Overdraft Protection

The National Bank of Texas offers three overdraft solutions to assist you in managing your account while allowing you to control your cost. Paying attention to your financial needs is our top priority.

To prevent overdraft fees, we recommend that you maintain all account activity in a check register and routinely reconcile your account to the balance reported by the bank. Using our Telephone Banking system at 877-857-2265, E- Banking at nationalbanktexas.com, E-Banking Alerts, Email Notifications and Text Messaging to monitor your account balance and account activity can assist you in managing your account.

The best way to avoid overdrafts and fees is to keep track of your account balance by entering all items in your check register, reconcile your checkbook regularly and manage your finances responsibly. However, if a mistake occurs, NBT offers the following alternatives to cover overdrafts.

  • Sweep from another NBT account.
  • Ready Reserve* Includes transaction charge.
  • Overdraft Protection. Includes overdraft fee of $35.00** per item. Maximum of 6 per day.

*Ready Reserve available only to customers with Approved Credit.

**Rate subject to change


This product allows you to protect your account against overdraft fees by transferring funds from another NBT account when needed. By creating a link between your primary checking account and another account with NBT, any items that would cause an overdraft in the primary checking account will be paid by available funds that are automatically "swept" or transferred from your other NBT account. Certain account types have transaction limitations; please speak to a Personal Banker to determine whether transaction limitations apply.

Ready Reserve (Line of Credit):

With credit approval you could qualify for a Revolving Line of Credit, that would be tied to your checking account and protect you against overdraft fees. Any presented items that would cause an overdraft in the account will be paid by funds that are transferred from the line of credit (up to the available limit). This Line of Credit is a loan that you pay back with interest. This is available to consumers only. Please see a Loan Officer to apply.

Overdraft Protection:

When there are not available funds in your account to cover an item, subject to the bank's sole discretion, we may allow you to overdraw (OD) your account. Overdraft protection is available on our regular consumer checking accounts. You can decide to have all items covered or just checks and ACH items. In order to receive the service for all items, you must affirmatively "opt-in" to authorize us to consider for payment into overdraft your ATM and everyday debit card transactions. To "opt-in" to Overdraft Protection speak to a Personal Banker, or complete the form below. You may revoke your "opt-in" at any time.

We credit your deposit first, and then we pay withdrawals from lowest to highest by transaction type. For example, we pay an ATM transaction first, an electronic payment next, and checks in number sequence.

The bank reserves the right to suspend Overdraft Protection from any account if, in the bank's judgment, the likelihood that an overdraft will not be repaid exists. We offer this service as a courtesy in anticipation that you will be making a deposit soon to bring your account to a positive balance. We are under no obligation to pay items when your account has insufficient funds, even if previous transactions were paid.


One overdraft (OD) fee of $35.00** is charged to your account for each overdraft transaction item that is paid. No more than $210.00** in total for NSF or overdraft fees will be charged per day. You acknowledge that the charging and collection of these charges and fees are not interest or compensation charged by us for the use, forbearance or detention of money.

Items Included:

If you have "opted-in" for Overdraft Protection on ATM and everyday debit card transactions, we will consider for authorization and payment overdrafts for the following types of transactions: ATM and everyday debit card transactions as well as: in-person withdrawals, checks, transfers, recurring debit card transactions, automatic bill payments and other transactions made using your checking account number. If you prefer not to "opt-in" for Overdraft Protection on ATM and everyday debit card transactions, we will consider for authorization only checks, ACH, and recurring bills.

Opting Out:

If you decide you no longer want this service, you can request to "opt out" of our Overdraft Protection at any time by visiting your local branch, completing the form below or by calling a Personal Banker. If you choose not to participate in Overdraft Protection, be aware that all items presented against insufficient funds on your account, besides those that we are legally obligated to pay, will be returned or denied whenever possible, regardless of the type of transaction (preauthorized debits, ATM withdrawals, transfers, point of sale (POS), in-person withdrawals and checks.) You will be charged an NSF fee of $35.00** per returned item as outlined below.

Other Related Fees:

One insufficient (NSF) fee of $35.00** is charged to your account for each transaction item that is returned unpaid. If you exceed your overdraft limit or have elected not to participate in our overdraft program, you can be charged a return item fee of $35.00** per item but no more than $210.00** in any one day.

Opt-in Form:

Take 30 seconds to complete this consent form to opt-in for our Overdraft Protection services on your ATM and debit card transactions. Please allow us one business day to complete your opt-in request. Submissions completed on a weekend will be completed during the next business day.

Would you like The National Bank of Texas to authorize and pay overdrafts on your ATM and
everyday debit card transactions?

Yes, opt me in. No, I decline.



By agreeing to opt-in, you acknowledge that The National Bank of Texas will charge you $35.00** per overdraft. There is a limit of $210** per day on the total fees we can charge you for overdrawing your account. Available only to eligible personal check accounts. All business, savings, Money Market and Charitable Organization accounts are not eligible. We may limit the number of accounts eligible for Overdraft Privileges to one account per household. You may opt-out of Overdraft Privilege on your debit card at any time by completing the above form or calling your local branch.