Protect your ATM and everyday checkcard purchases when you opt in for continued overdraft coverage.
If you would like to opt in by mail,
simply print this form and mail it to:
Texas Bank and Trust
P.O. Box 3188 Longview, TX 75606
Print overdraft opt in form
Indicate your opt in preference by
calling (903) 252-3156 or
(800) 263-7013 (Press 9).
If you would like to visit about
Overdraft Coverage* in person,
please visit any Texas Bank and
Trust location to speak with a TBT representative to determine if
Overdraft Coverage is right for you.
*TEXAS BANK AND TRUST will charge
a paid/return item fee of $30 for each
item that overdraws an account. This
fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal,
point-of-sale ("POS") transaction, or
other electronic means.Texas Bank
and Trust is not obligated to pay any
item initiated for payment against your account if your account does not
contain sufficient collected funds.
The amount of any overdrafts including
our fees that you owe the bank shall
be due and payable immediately.
Whether your overdrafts will be paid
or not is discretionary and Texas Bank and Trust reserves the right not to pay.
For example, Texas Bank and Trust typically does not pay overdrafts if
your account is not in good standing, regular deposits are not being made
to your account, or there are
excessive overdrafts on your account.
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
This page explains our standard overdraft practices.
We do authorize and pay overdrafts for the following types of transactions:
We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.
If we do not authorize and pay an overdraft, your transaction MAY be declined.
Under our standard overdraft practices:
If you want us to authorize and pay overdrafts on your ATM and everyday checkcard transactions, simply opt in by completing the form below or printing the form and returning it to any Texas Bank and Trust branch location, or mailing it to: Texas Bank and Trust, P.O. Box 3188, Longview, Texas 75606. You can also opt in by calling 903-237-5555 or completing the form below.