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 notice 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:
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.
Under our standard overdraft practices:
By clicking “Opt In”, you agree that you want MountainOne Bank to authorize and pay overdrafts on ATM and everyday debit card transactions. You understand that you have the right to revoke this consent at any time by directly contacting MountainOne Bank at 855.444.6861 or by stopping by any Bank office location.
SCHEDULED MAINTENANCE: Online & Mobile Banking will be unavailable on Sunday, September 24, between 12:00am–6:00am due to routine system maintenance. Should you need access to your accounts, please arrange to submit transactions before or after this scheduled maintenance, visit your local MountainOne branch or call our Customer Care Team during normal business hours at 855.444.6861.
All MountainOne offices will close early on Tuesday, September 19 at 1:00 pm, so our Mountaineers can attend our annual ‘All Mountaineer’ companywide event. Normal business hours will resume on September 20. As always, online and mobile banking services are available 24 hours a day, seven days a week. Click the button for more information.