Frequent Questions Related to Personal Checking
1Overdraft Privilege will be available to use the first business day following a 30-calendar day waiting period.
Our standard NSF paid item fee is $15.00 if the overdraft is a result of a transaction greater than $3.00 but less than $15.01 or $38.00 NSF paid item fee if the overdraft is a result of a transaction of $15.01 or greater, and the transaction overdraws your account by more than $15.01 (meaning you have a negative $15.01 available balance or more). For our consumer accounts, we may charge up to $200.00 in non-sufficient fund (NSF) paid item fees per account, per day. For our business accounts, there is no maximum daily limit for non-sufficient (NSF) paid item fees.
The categories of transactions for which a fee for paying an overdraft may be imposed are checks, an in-person withdrawal, an automatic payment, an Automated Clearing House (ACH) transaction, recurring debit card payment, or any other debit transaction made using your checking account. For consumer accounts at your request, we may authorize and pay ATM transfers or withdrawals or everyday debit card transactions. Business account ATM transfers or withdrawals or everyday debit card transactions will automatically be included as a transaction for which a fee for paying an overdraft item may be imposed.
Please be advised that if you use the Overdraft Privilege service, you must make regular deposits to bring your account to a positive balance, for at least 1 business day, at least once every 30 calendar days (including the payment of all bank fees and charges).
We typically do not pay overdrafts if; (1) your account is not in good standing; (2) you have a legal orders (including bankruptcies), garnishments, levies or liens against your account; (3) you have an outstanding indebtedness past due or in default to Alpine Bank or any other account relationship and; (4) an item is presented that is over your currently available Overdraft privilege amount.
2If using any international, non-Allpoint or non-Alpine Bank ATM, the $2.00 ATM fee per withdrawal will still apply, as well as any fee charged by the third-party ATM holder.
3Online Banking is not available to minors under the age of 13. Certain transaction fees and limitations apply. Please refer to the product terms and conditions.
4Please see a customer service representative or personal banking representative for current rate information, calculation method and to obtain a copy of our Truth in Savings Disclosure.
5Must meet Alpine Bank's underwriting requirements. Rates and terms are subject to change based on current market conditions. Please contact your local Alpine Bank loan officer for more information, other restrictions may apply.
