Optional Overdraft Coverage Details

What you need to _ about overdrafts and overdraft _

What is an overdraft?

An overdraft occurs when you __ not have enough money __ your account to cover _ transaction, but we pay _ transaction anyway. Great Western _ can cover your overdrafts __ one of these ways:

1. We have standard overdraft practices that come with _ account.
2. We have Optional Overdraft that is described more .
3. We also offer overdraft protection plans , such as a _ to a separate savings __ or an overdraft line __ credit, which may be _ expensive than our other _ products. To learn more, us about these plans.

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

As a standard practice, __ do authorize and pay for:

• Checks and other transactions _ using your checking account _
• Automatic preauthorized payments
• Standard Overdraft fees will whether the item is _ or returned

We do not authorize and pay overdrafts the following types of __ unless you enroll in Overdraft Coverage by checking I DO box and __ and dating the form:

• ATM transactions.
• Everyday (one time, non-recurring) card transactions such as _ at a store.

Great Western Bank pays at our discretion, which we do not guarantee that we will _ pay any type of _. If we do not authorize and pay __ overdraft, your transaction will __ declined.

What fees will I __ charged if Great Western _ pays my overdraft?

• If you overdraw your __ over $10  we will charge you _ fee of $35  for each item over $5 presented, up to a __ of $175.00 per account per .
• Other than the daily , there is no limit __ the total fees we charge you for overdrawing _ account.
• If your account is _ for 5 or more _ business days, we will _ an additional $12  per business day.

What do I do __ I want Great Western _ to authorize and pay on ATM and everyday card transactions using the Optional Overdraft Coverage?

If you want us __ authorize and pay overdrafts __ ATM and everyday debit _ transactions, complete the form . You may opt out __ any time by calling 1-800-952-2043, sending a letter to Western Bank, PO Box 2345 Sioux Falls, SD 57101-2345, to www.GreatWesternBank.com or visiting _ branch location.

Download Optional Overdraft Authorization _ (PDF)

Overdraft Coverage Authorization Form

Last 4 digits of _ Primary Account Number



First Name *



Last Name *



City *



State -- Select an option -- AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY *

Zip Code



Email *

Yes or No Authorize No I DO NOT want Great Western _ to authorize and pay on my ATM and debit card transactions. Yes I DO want Great Western _ to authorize and pay on my ATM and debit card transactions using Overdraft Coverage.

*Please note that any _ to your current Optional _ Coverage may take up __ 3 business days to _ effect.

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