Overdraft Protection

At Fredonia Valley Bank, we work hard everyday to better serve you as our customer. We want to make sure you have all the correct and up-to-date information. On August 15, 2010 a new federal regulation will be taking affect that requires us to change standard overdraft practices that apply to all personal checking accounts. This will impact your ATM and everyday debit card transactions that will overdraft your account. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. For example, you have to fix an unforseen flat tire, if you use your ATM or debit card and don't have the funds in your account to cover the purchase it would be denied. However, any overdraft protection you have will remain unchanged for checks, automatic bill payments and other transactions that use your personal checking account. With your permission, we can consider paying the ATM and everyday debit card transactions. If you have more questions before deciding, please call (270) 545-3301 or (270) 388-2265. 

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