Overdraft Services

Overdraft Services for Personal

What Are My Overdraft __?

It happens to everyone and then: A deposit _ unmade, a payment goes , and then, at the possible moment, your purchase __ declined. GWB provides various _ Services to help you _ unplanned or occasional overdrafts. these ways to cover _ overdrafts:

Overdraft Coverage

Overdraft coverage means certain _ and transactions may be __ even if there isn’t _ money in your account. _ account comes with our Overdraft Coverage and you enroll in our Optional _ Coverage.

	Standard Overdraft Coverage	Optional Overdraft Coverage
How it Works	GWB may authorize and overdrafts for: Checks and other transactions _ using your checking account _ Automatic pre-authorized bill payments GWB will not authorize pay overdrafts: ATM transactions Everyday (one time, non-recurring) card transactions Smart Start Banking is eligible for Optional Overdraft .	GWB has your permission __ consider (at our discretion) _ ATM and everyday (one-time) card transactions even if don’t have funds in _ account. You must enroll in _ coverage option for your debit card and ATM __ to be approved beyond balance in your account. Smart Start Banking is eligible for Optional Overdraft .
Additional Information	GWB pays overdrafts at discretion, which means we __ not guarantee that we _ always pay any type __ transaction. If we do not _ and pay an overdraft, _ item will be returned _ and you will be __ a return fee.	If you say “Yes” __ Optional Overdraft Coverage the bank may these transactions and charge _ fees. If you say “No” __ Optional Overdraft Coverage these transactions will __ declined, and you will be charged the overdraft _ below. Note: Saying “No” to Overdraft Coverage does not _ that you will avoid overdraft fees under your Overdraft Coverage.
Rates and Fees	$35.00 fee per item If you overdraw your __ by $10.00 or more __ will charge you a of $35.00 for each _ presented over $5.00 up __ a maximum of $175.00 account per day. These _ apply whether the item __ paid or returned. $12.00 Continuous Overdraft fee If your account is _ for 5 or more _ business days, we will _ an additional $12.00 per day.	$35.00 fee per item If you overdraw your __ by $10.00 or more __ will charge you a of $35.00 for each _ presented over $5.00 up __ a maximum of $175.00 account per day. $12.00 Continuous Overdraft fee If your account is _ for 5 or more _ business days, we will _ an additional $12.00 per day.

Standard Overdraft Coverage

Optional Overdraft Coverage

How it Works

GWB may authorize and overdrafts for:

Checks and other transactions _ using your checking account _
Automatic pre-authorized bill payments

GWB will not authorize pay overdrafts:

ATM transactions
Everyday (one time, non-recurring) card transactions

Smart Start Banking is eligible for Optional Overdraft .

GWB has your permission __ consider (at our discretion) _ ATM and everyday (one-time) card transactions even if don’t have funds in _ account.

You must enroll in _ coverage option for your debit card and ATM __ to be approved beyond balance in your account.

Smart Start Banking is eligible for Optional Overdraft .

Additional
Information

GWB pays overdrafts at discretion, which means we __ not guarantee that we _ always pay any type __ transaction.

If we do not _ and pay an overdraft, _ item will be returned _ and you will be __ a return fee.

If you say “Yes” __ Optional Overdraft Coverage the bank may these transactions and charge _ fees.

If you say “No” __ Optional Overdraft Coverage these transactions will __ declined, and you will be charged the overdraft _ below.

Note: Saying “No” to Overdraft Coverage does not _ that you will avoid overdraft fees under your Overdraft Coverage.

Rates and Fees

$35.00 fee per item
If you overdraw your __ by $10.00 or more __ will charge you a of $35.00 for each _ presented over $5.00 up __ a maximum of $175.00 account per day. These _ apply whether the item __ paid or returned.

$12.00 Continuous Overdraft fee
If your account is _ for 5 or more _ business days, we will _ an additional $12.00 per day.

$35.00 fee per item
If you overdraw your __ by $10.00 or more __ will charge you a of $35.00 for each _ presented over $5.00 up __ a maximum of $175.00 account per day.

$12.00 Continuous Overdraft fee
If your account is _ for 5 or more _ business days, we will _
an additional $12.00 per day.

Overdraft Protection Plans ¹

We also offer Overdraft Plans to help you being overdrawn.

	Overdraft Protection Account	GWB Ready Reserve Line __ Credit
How it Works ²	You can link your Savings Account, Money Market __ another GWB Checking Account __ use your own funds __ cover any overdrafts. Available will be automatically moved _ your linked account to _ checking account to help the transaction or purchase. Smart Start Banking is eligible for Overdraft Sweep.	A GWB Ready Reserve _ of Credit provides the __ to apply for a _ of credit and we _ cover your transaction up __ your available credit limit. Smart Start Banking is eligible for a GWB Reserve Line of Credit.
Additional Informati on	You must have enough available in your linked __ account for the transfer __ occur.	You will be billed __ for overdraft transfers and applicable interest charges and _ on your Overdraft Line __ Credit statement that is with your monthly checking __ statement. Subject to credit approval.
Rates and Fees	$10.00 fee per transfer When you overdraw, the amount of the negative __ plus the $10.00 transfer will be transferred the _ business day No transfer fee when _ account is overdrawn by $10.00 or less	Annual Percentage Rate (APR): 18% No annual fee A fee of 5% __ the funds advanced is __ each time the line __ used, with a maximum __ $15.00

Overdraft Protection Account

GWB Ready Reserve Line __ Credit

How it Works ²

You can link your Savings Account, Money Market __ another GWB Checking Account __ use your own funds __ cover any overdrafts. Available will be automatically moved _ your linked account to _ checking account to help the transaction or purchase.

Smart Start Banking is eligible for Overdraft Sweep.

A GWB Ready Reserve _ of Credit provides the __ to apply for a _ of credit and we _ cover your transaction up __ your available credit limit.

Smart Start Banking is eligible for a GWB Reserve Line of Credit.

Additional
Informati on

You must have enough available in your linked __ account for the transfer __ occur.

You will be billed __ for overdraft transfers and applicable interest charges and _ on your Overdraft Line __ Credit statement that is with your monthly checking __ statement.
Subject to credit approval.

Rates and Fees

$10.00 fee per transfer

When you overdraw, the amount of the negative __ plus the $10.00 transfer will be transferred the _ business day
No transfer fee when _ account is overdrawn by $10.00 or less

Annual Percentage Rate (APR): 18%

No annual fee

A fee of 5% __ the funds advanced is __ each time the line __ used, with a maximum __ $15.00

Important Details & Authorization _

¹If you choose to _ in Optional Overdraft Coverage are not eligible for _ Protection.
²Your account can only __ enrolled in one Overdraft Plan.

Overdraft Services