Overdraft Services

Occasional Overdraft Service (OOS) is a courtesy service Community West Bank offers that comes standard with all eligible checking accounts in good standing, should an overdraft occur that covers checks, ACH, and recurring debit transactions.

Eligible Accounts:

•         Simplicity Checking
•         Secure Checking
•         Relationship Interest Checking
•         Small Business Checking
•         Small Business Interest Checking

How to Add Service:

Comes standard for all eligible accounts.

Transactions Covered:

•         Checks
•         ACH and Recurring Debit Card Transactions

Limits:

Dynamic Limits (determined by your account history, deposit activity, and other patterns of account activity)

Cost:

•         No setup fee - automatically included with eligible accounts

Consumer:

•         $25 NSF (Overdraft Fee) with a maximum of 4 items ($100) per day
•         $10 NSF (Returned Item Fee) with a maximum of 4 items ($40) per day

Non-Consumer:

•         $25 NSF (Overdraft Fee) with a maximum of 8 items ($200) per day
•         $10 NSF (Returned Item Fee) with a maximum of 8 items ($80) per day

Occasional Overdraft Service Plus (OOS Plus) is a courtesy service that offers all the same coverage you receive with OOS with the addition of ATM transactions, and one time debit card transactions, should an overdraft occur.

Eligible Accounts:

•         Simplicity Checking
•         Secure Checking
•         Relationship Interest Checking
•         Small Business Checking
•         Small Business Interest Checking

How to Add Service:

Requires you to affirmatively opt-in with the Occasional Overdraft Service Plus Opt-In Form.

OOS Plus Opt-In Consent Form

Transactions Covered:

•         Checks
•         ACH and Recurring Debit Card Transactions
•         ATM Withdrawals and Transfers
•         One Time Debit Card Transactions

Limits:

Dynamic Limits (determined by your account history, deposit activity, and other patterns of account activity)

Cost:

•         No fee to opt-in

Consumer:

•         $25 NSF (Overdraft Fee) with a maximum of 4 items ($100) per day
•         $10 NSF (Returned Item Fee) with a maximum of 4 items ($40) per day

Non-Consumer:

•         $25 NSF (Overdraft Fee) with a maximum of 8 items ($200) per day
•         $10 NSF (Returned Item Fee) with a maximum of 8 items ($80) per day

Overdraft Transfers allow an eligible checking account to have transfers from a linked Savings account or Community Credit Line to cover any overdrafts that occur.

Eligible Accounts:

•         Simplicity Checking
•         Secure Checking
•         Relationship Interest Checking
•         Small Business Checking
•         Small Business Interest Checking

How to Add Service:

Request which account you would like to be linked. See branch representative for more details.

Transactions Covered:

•         Checks
•         ACH and Recurring Debit Card Transactions
•         ATM Withdrawals and Transfers
•         One Time Debit Card Transactions

Limits:

Linked to your available balance in your linked account.

Cost:

•         No charge

Community Credit Lines provide overdraft protection with a line of credit that automatically transfers funds to your checking account should an overdraft occur.

Eligible Accounts:

•         Simplicity Checking
•         Secure Checking
•         Relationship Interest Checking

How to Add Service:

Requires an application. See branch representative for more details.

Transactions Covered:

•         Checks
•         ACH and Recurring Debit Card Transactions
•         ATM Withdrawals and Transfers
•         One Time Debit Card Transactions

Limits:

Up to your pre-authorized credit limit.

Cost:

•         $20 Annual Fee (can be waived if four advances are posted in a calendar year)
•         $10 advance fee per transfer
•         Interest accrues on the outstanding balance at the applicable Annual Percentage Rate

To opt in to OOS Plus please fill out the form below and either deliver it to your nearest branch or mail it to Community West Bank, 7100 N. Financial Drive, Ste. 101, Fresno, CA 93720.

OOS Plus Opt-In Consent Form

To discontinue or opt out of the Occasional Overdraft Service (OOS) on your eligible Checking account, please contact your local branch or Customer Service at the address and phone numbers listed below. By opting out of the OOS, your checks, drafts, ACH items, ATM withdrawals, and one time debit card transactions will be automatically returned if presented against non-sufficient funds. A non-sufficient funds (NSF) fee will be applied.

Community West Bank

7100 N. Financial Drive, Ste. 101

Fresno, CA 93720

(800) 298-1775

Email us at customerservice@cvcb.com