Online Banking

Overdraft Coverage Options:

Overdraft Protection and Overdraft Privilege

TrustTexas Bank understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.

Overdraft Coverage Options
The choice is yours. Consider these ways to cover overdrafts:



Overdraft Protection Link to Another Deposit Account you have at TrustTexas Bank1

$0 fee per transfer

Overdraft Protection Line of Credit1,2,3

Subject to interest

Overdraft Privilege

$29 Overdraft Fee per item.

1Call us at (800) 342-0679 or visit any TrustTexas Bank branch to sign up or apply for these services; 2Subject to credit approval. 3Wall Street Journal Prime + 3% Floating or call us for more information at (800) 342-0679.

Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or line of credit you may have at TrustTexas Bank for a finance charge. Please note that overdraft lines of credit are subject to credit approval.

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted.

Transactions Covered with Overdraft Privilege

Standard Coverage
(No action required)

Extended Coverage
(Your consent required
on consumer accounts)


If you would like to select Extended Coverage for future transactions:






You can revoke your authorization for TrustTexas Bank to pay these overdrafts at any time by any of the above methods. 

ACH - Automatic Debits



Recurring Debit Card Payments



Online Bill Pay Items



Online Banking Transfers



Telephone Banking



Teller Window Transactions



ATM Transactions



Everyday Debit Card Transactions



*If you choose Extended Coverage on your consumer account, ATM and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Extended Overdraft Privilege coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage.

You can discontinue the Overdraft Privilege in its entirety by contacting us at (800) 342-0679 or visit any TrustTexas Bank branch.

What Else You Should Know

  • A link to another account or a line of credit may be a less expensive option than an overdraft. A single larger overdraft will result in just one fee, as opposed to multiple smaller overdrafts. Good account management is the best way to avoid overdrafts. Use our mobile banking, online banking, and telephone banking services to keep track of your balance. For additional financial education resources, please visit
  • The $29 Overdraft Fee is the same fee amount that is charged if an item is returned as unpaid. If multiple items overdraw your account on the same day, each item will be assessed an appropriate Overdraft Fee or a Returned Item Fee of $29. All fees and charges will be included as part of the Overdraft Privilege limit amount. Your account may become overdrawn more than the Overdraft Privilege limit amount as a result of a fee.
  • If an item is returned because the available balance in your account is not sufficient to cover the item and the item is presented for payment again, TrustTexas Bank will charge a Returned Item Fee each time it returns the item because it exceeds the available balance in your account. If, on representment of the item, the available balance in your account is sufficient to cover the item TrustTexas Bank may pay the item, and, if payment causes an overdraft, charge an Overdraft Fee.
  • There is a limit of 5 Overdraft Fees ($145) per day we will charge. We will not charge an Overdraft Fee if your account is overdrawn by $10 or less.
  • This describes the posting order for purposes of determining overdrafts. Our general policy is to post items throughout the day and to post credits before debits. The law permits us to pay items (such as checks or drafts) drawn on your account in any order. To assist you in handling your account with us, we are providing you with the following information regarding how we process the items presented on your account. Our policy is to pay items according to transaction type and then by the transaction amount from smallest to largest. The order in which transaction type items are paid is as follows: 1) Debit Card transactions which include Automated Teller Machine (ATM) withdrawals, Point of Sale (POS) transactions, and Recurring Debit Card payments, 2) Checks and Orders presented at the teller station for cashing, 3) Other Electronic transactions, 4) Online Banking transactions, 5) On-Us deposited items, and 6) Inclearing checks and orders. However, because of the many ways we allow you to access your account, the posting order of individual items may differ from these general policies. Holds on funds (described below) and the order in which transactions are posted may impact the total amount of Overdraft Fees or Returned Item Fees assessed.
  • Although under payment system rules, TrustTexas Bank may be obligated to pay some unauthorized debit card transactions, TrustTexas Bank will not authorize debit card or ATM transactions unless your account’s available balance (including Overdraft Coverage Options) is sufficient to cover the transactions and any fee(s).
  • If you have a debit card, giving us your consent to pay everyday debit card and ATM overdrafts on your consumer account (Extended Coverage) may result in you incurring Overdraft Fees for transactions that we would otherwise be required to pay without assessing an Overdraft Fee. However, this would allow us to authorize transactions up to the amount of your Overdraft Privilege limit and may also help you avoid overdrafts in excess of your available balance. If you consent to Extended Coverage on your consumer account, it will remain on your account until it is otherwise withdrawn.
  • TrustTexas Bank authorizes and pays transactions using the available balance in your account. TrustTexas Bank may place a hold on deposited funds in accordance with our Terms and Conditions of Your Account Agreement, which will reduce the amount in your available balance. The available balance for checks, ACH items, and recurring debit card payments is comprised of the current ledger balance, less any holds on deposited funds, plus the amount of the Overdraft Privilege limit and any available overdraft protection. The available balance for ATM and everyday debit card transactions on accounts with Standard Coverage is comprised of the current ledger balance, less any holds on deposited funds and any debit card holds, plus deposits made on next business day and any available overdraft protection, but does NOT include the Overdraft Privilege Limit. For accounts with Extended Coverage, the Overdraft Privilege Limit is included in the available balance for authorizing ATM and everyday debit card transactions.
  • Please be aware that the Overdraft Privilege amount is not included in your available balance provided through online banking, mobile banking or TrustTexas Bank’s ATMs.
  • If you have a debit card, TrustTexas Bank will place a hold on your account for any authorized debit card transaction until the transaction settles (usually within two business days) or as permitted by payment system rules. In some cases, the hold may exceed the amount of the transaction. When the hold ends, the funds will be added to the available balance in your account. If your account is overdrawn after the held funds are added to the available balance and the transaction is posted to the available balance, an Overdraft Fee may be assessed.
  • Except as described herein, TrustTexas Bank will not pay items if the available balance in your account (including the Overdraft Privilege limit, if applicable) is not sufficient to cover the item(s) and the amount of any fee(s).
  • If you have a debit card, TrustTexas Bank may suspend your debit card if we are unable to contact you due to an incorrect mailing address or phone number(s). You must contact us with your correct mailing address and/or phone number(s) to have your debit card reinstated.
  • If you have a debit card, TrustTexas Bank may also suspend your debit card if we suspect or identify fraudulent transactions posting on your account(s).
  • If you have a debit card(s) and your debit card(s) is suspended, you will be unable to use your debit card(s) for purchases or to access your account(s) associated with the debit card(s) at the ATM while your debit card(s) is suspended, and if you use your debit card(s) for recurring payments, e.g., utilities, you are responsible to make other arrangements for your recurring debit payment(s).
  • An Overdraft Privilege limit of up to $500 depending on product will be granted to eligible consumer and business checking accounts opened at least 30 days in good standing.
  • Overdraft Privilege is not a line of credit; it is a discretionary overdraft service that can be withdrawn at any time without prior notice.
  • Overdraft Privilege may be suspended or reduced if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within thirty-two (32) consecutive calendar days for a minimum of one business day. Once the account is brought to a positive balance for a minimum of one business day, the account will be reviewed in order to determine whether the full overdraft limit will be reinstated.
  • Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all overdraft and fee amounts, as described in Terms and Conditions of Your Account Agreement. The total (negative) balance, including all fees and charges, is due and payable upon demand.

If you have any questions about Overdraft Protection or Overdraft Privilege, please call us at (800) 342-0679 or visit any TrustTexas Bank branch.


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