Understanding Overdrafts

An overdraft will occur if an account holder withdraws more from his/her account then they have previously deposited. The bank may or may not honor an overdraft, depending upon its policies. A fee is usually incurred on an overdraft.*

Our Overdraft Protection Services

To protect you from the headache an overdraft(s) may cause, we have various Overdraft Protection Programs available to you as outlined below:

Overdraft Honor Service

We offer a discretionary overdraft service to help a customer avoid inadvertent overdrafts. Once an account is qualified, you will receive written notification. You will then have the choice to opt into overdraft protection. This service will pay overdrafts plus current overdraft fee up to $500.

LINK-IT Overdraft Protection Service

To use this service you will need to open an additional savings account that will be linked to your designated checking account(s) to cover inadvertent overdrafts.  Current charge for LINK-IT usage is $22 per day.

Opting-Out of Overdraft Protection

You may opt-out of Overdraft Protection on your checking account anytime by calling 1-800-692-6279 and select option 1, Monday-Friday, 9am-5pm.

You may also opt-out by writing to us at:

Citizens Savings Bank
Deposit Operations Department
500 South State Street
Clarks Summit, PA 18411

*Our standard overdraft/uncollected funds fee is currently $35.00 and will be assessed for each NSF item that is processed. There is a daily overdraft/uncollected funds charge limit of $105.00.  Any overdraft/uncollected funds item for $10.00 and under will not be charged. Multiple fees for successive overdrafts may be charged.