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Century Bank
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Disclosures

An overdraft occurs when you do not have sufficient funds in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
1.     We have standard overdraft Bounce Protection practices that come with your account.
2.     We also offer an overdraft line of credit protection plan, which is subject to credit approval and may be less expensive than our standard overdraft Bounce Protection practices. To learn more, ask us about this plan.
What are the standard overdraft Bounce Protection practices that come with my account?
We authorize and pay overdrafts for the following types of transactions:
·         Checks and other transactions made using your checking account number
·         Automatic bill payments
·         Internet banking including online bill payments
·         Transfer requests made via ACCOUNTLINE
Century Bank does not pay personal ATM  as well as everyday Debit Card transactions that may overdraw your account unless you tell us to.
What if I want to authorize Century Bank to pay ATM as well as everyday Debit Card transactions that may overdraw my account?
Simply submit your response above today.
What fees will I be charged if Century Bank pays my transaction overdraft requests?
·         We will charge you a fee of up to $5 if you have an 18/65 account and $36 for all other accounts each time we pay an overdraft request.
·         There is a limit of 8 fees in total per day we can charge you for overdrawing your account.
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 will be declined or your check returned unpaid.

BOUNCE LIMITS

Type of Account Overdraft Bounce Protection Limit*
Platinum Checking $2,500
Gold Checking $2,000
Silver Checking $1,000
Bronze Checking $1,000
Silver 18/65 Checking $1,000
Platinum Business Checking $3,000
Gold Business Checking $3,000
Silver Business Checking $3,000
Founder's Free Business Checking $1,000
*Overdraft bounce protection limit may be reflected in your available balance and any fees or charges may reduce your available bounce protection.

Overdraft Bounce Protection Practices
We clear items drawn against your account in the following order:
(a) electronic transactions (electronic funds transfers, pre-authorized debits, debit card transactions, ATM transactions or other withdrawal requests); and (b) checks, in numerical sequence with lower numbers paid first, and other payments. If you maintain your checking account in good standing (defined as making regular deposits and bringing your account to a positive balance at least once every 30 days) and there are no legal orders outstanding, we may approve your reasonable overdraft. You may opt out of the privilege at any time by calling our Customer Service Center at (866) 823-6887, stopping by one of our conveniently located branches, or visiting CenturyBank.com and selecting the “contact us” tab to opt out of our overdraft Bounce Protection service. However, you are responsible for any overdrawn balances at the time of opting out. The amount of any overdraft plus our insufficient funds fee that you owe us shall be due and payable upon demand. If there is an overdraft paid by us on an account with more than one (1) owner on the signature card, each owner and agent, if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdraft plus our normal insufficient funds fee.
Limitations: Overdraft Bounce Protection is available to individually/ jointly owned and business accounts in good standing. Accounts of those under eighteen years of age are not eligible for the overdraft Bounce Protection product. Century Bank reserves the right to limit participation to one account per household or business and to discontinue this service without prior notice. The overdraft Bounce Protection program will not be available to new checking accounts until the account has been opened for 30 days and during that time, deposits to the account must be 80% of the predetermined limits of overdraft Bounce Protection assigned to that account type.