Midwest Heritage Bank  
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Explanation of Overdraft Coverage

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Your Right to Request Overdraft Coverage
We will not pay your overdrafts for ATM withdrawals and debit card purchases you make at a store, online, or by telephone, unless you tell us you want overdraft coverage for these transactions. Even if you do not request overdraft coverage for ATM withdrawals and debit card purchases, we may still pay your overdrafts for other types of transactions, including checks.

Having overdraft coverage does not guarantee that we will pay your overdrafts. If we decide to pay an overdraft, you will be charged fees as described below.

Overdraft coverage differs from other overdraft services we offer, such as linking your account to another account with us or an overdraft line of credit. See below for more information, including how to contact us if you want overdraft coverage to apply to your ATM withdrawals and debit card purchases.

Overdraft Fees
We will charge you a fee of $30 each time we pay an overdraft and the limit on the daily fees we will charge you for overdrawing your account is six.

Other Ways We Can Cover Your Overdrafts
We offer other ways of covering your overdrafts that may be less expensive, such as linking your account to another account with us. Contact us to learn more about these options.

How to Request Overdraft Coverage or Get More Information
To request overdraft coverage (or revoke coverage) for your ATM withdrawals and debit card purchases or for information about other alternatives we offer for covering overdrafts, please:

  • Insert the last 4 digits of your account number and enter your name below, then click submit.
  • Contact us at 1-800-782-0521
  • Complete the form below and mail it to:
    Midwest Heritage Bank, 1025 Braden Ave, Chariton, IA 50049
I want overdraft coverage for my ATM withdrawals and debit card purchases effective immediately.
Please list the last 4 digits of your account number that you would like to opt in.
Account #1
(xxxx) 		Account #2
(xxxx)
Account #3
(xxxx) 		Account #4
(xxxx)
Full Name
 Date
/ / (xx/xx/xxxx)
Email Address
  
   
 
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