Overdraft Protection Service & Overdraft Privilege

Life happens! County Bank understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.

Overdraft Coverage Options

The choice is yours. Consider these ways to cover overdrafts:

Service Cost
Overdraft Protection Link to Another Deposit Account you have at County Bank1 $5.00 fee per transfer
Overdraft Privilege $35.00 Overdraft Fee per item. Daily fees may apply.

1 Call us at (302) 226-9800 or email us at support@countybankmail.com for more information. Or come by a branch to sign up for these services.

OVERDRAFT PROTECTION service applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account you may have at County Bank for a fee.

OVERDRAFT PRIVILEGE allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted.

If multiple overdraft coverage options are used simultaneously, fees for each option may be assessed.

Transactions Covered with Overdraft Privilege Standard Coverage
(No action required)
Extended Coverage
(Your consent required)*
ACH (Automatic Debits)
Recurring Debit Card Payments
Online Bill Pay Items
Teller Window Transactions
ATM Transactions   *
Everyday Debit Card Transactions *

If you would like to select Extended Coverage for future transactions:

  • call us at (302) 226-9800,
  • retrieve the Extended Coverage Consent Form found at the link on this page
  • visit any branch,
  • complete the consent form and mail it to us at 19927 Shuttle Rd, Rehoboth Beach, DE 19971.
  • e-mail us at support@countybankmail.com

You can discontinue the Overdraft Privilege in its entirety by contacting us at (302) 226-9800 or sending us an e-mail at support@countybankmail.com.

* If you choose Extended Coverage, ATM Transactions and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Extended Overdraft Privilege coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage.

Learn More

Sign up for these free services to help manage your account:

Online Banking – Set balance, and transaction alerts. View account balances and transfer funds between eligible accounts.

Mobile Banking — Bank on the go with your smartphone; check your balance in advance or after making purchases and transfer funds from your other County Bank accounts.

Touch Tone Bank-By-Phone — Access account information fast and check account balances anytime with your phone. Transfer funds between eligible deposit accounts. Dial (302) 226-9523 locally or (877) 226-9800. To transfer funds an agreement must be signed.

Notify Me Alerts — Utilizing Online Banking set up an email if your account balance reaches any level you set. Learn more about alerts.

FDIC's "Your Guide to Preventing and Managing Overdraft Fees"

Consider these tips to help you avoid overdrafts:

Record your transactions: Record every deposit and withdrawal — including checks, recurring payments like your car payment or gym membership, debit card purchases, and cash withdrawals. Visit any County Bank location for a free check register.

Compare records and adjust for outstanding and pending transactions: Review your statements and monitor your available balance online or at the ATM. County Bank’s available balance may not include all transactions you have authorized for payment. For example, checks you have written and recurring payments you have authorized may not be included. Please keep track of all your transactions to avoid overspending.

  • A link to another account is a less expensive option than an overdraft. A single larger overdraft will result in just one fee, as opposed to multiple smaller overdrafts. Good account management is the best way to avoid overdrafts. Use our mobile banking, Internet banking, and telephone banking services to keep track of your balance. For additional financial education resources, please visit www.mymoney.gov.
  • If you currently have Overdraft Protection with a Line of Credit, it remains in effect under your current agreement. If multiple overdraft coverage options are used simultaneously, fees for each option may be assessed.
  • The $35.00 Overdraft Item Fee is the same fee amount that is charged if a check is returned as unpaid. If multiple items are presented for posting to your account on the same day, each item will be assessed an appropriate Overdraft Item Fee or a Non-Sufficient Funds Fee of $35.00. All fees and charges will be included as part of the Overdraft Privilege limit amount. Your account may become overdrawn in excess of the Overdraft Privilege limit amount as a result of a fee.
  • Continuous Overdrawn Account Fee: $5.00 Fee is charged for a sustained negative balance. The fee is assessed when the account remains with a negative balance 5 consecutive business days and for each subsequent 5 consecutive business day period. On the 5th consecutive business day, after all items presented for that day have been processed and posted to the account, if the account remains with a negative balance, the fee will be assessed on said 5th consecutive business day. This fee is in addition to any other fees assessed. A negative balance may be created by customer activity or bank assessed fees such as monthly service fees or non-sufficient funds fee.
  • For consumer and business accounts, there is a limit of 5 Overdraft Item Fees ($175.00) per day we will charge. We will not charge an Overdraft Item Fee if at the end of the day, after all items have posted on a consumer account, it is overdrawn by $8.00 or less. This does not apply to business accounts.
  • For OD/NSF fee assessments, the posting order of items is considered as follows: 1) credits, 2) ATM withdrawals and debit card transactions (low to high by dollar amount), 3) ACH debits and checks (low to high by dollar amount); however, exceptions may occur. Holds on funds (described below) and the order in which transactions are posted may impact the total amount of Overdraft Item Fees or Non-Sufficient Funds Fees assessed.
  • Although under payment system rules, County Bank may be obligated to pay some unauthorized debit card transactions, County Bank will not authorize debit card or ATM transactions unless there are available funds (including Overdraft Coverage Options) to cover the transactions and any fee(s).
  • Giving us your consent on your consumer account to pay every day debit card and ATM overdrafts may result in you incurring Overdraft Item Fees for transactions that we would otherwise be required to pay without assessing an Overdraft Item Fee. However, this would allow us to authorize transactions up to the amount of your Overdraft Privilege limit and may also help you avoid unauthorized overdrafts in excess of your available funds.
  • County Bank authorizes and pays transactions using the available balance in your account. County Bank may place a hold on deposited funds in accordance with our Deposit Account Agreement and Disclosure, which will reduce the amount in your available balance. The available balance for checks, ACH items, and recurring debit card transactions is comprised of the ledger balance (collected funds), less any debit card authorizations and any holds on an account, plus the amount of the Overdraft Privilege limit available and any Overdraft Protection available. The available balance for ATM and everyday debit card transactions on accounts with Standard Coverage is the ledger balance (collected funds), less any debit card authorizations and any holds on an account, plus any available Overdraft Protection, but does NOT include the Overdraft Privilege limit. For accounts with Extended Coverage, the Overdraft Privilege limit is included in the available balance for authorizing ATM and everyday debit card transactions.
  • Please be aware that the Overdraft Privilege amount is not included in your available balance provided through Internet banking, mobile banking, touch tone phone banking, or County Bank’s ATMs.
  •  An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We use the ledger balance method to assess Overdraft Item Fees. Under this method, if your account is overdrawn after the transaction is posted, an Overdraft Item Fee may be assessed. In the case of a debit card transaction, a hold will be placed on your account for any authorized debit card transaction until the transaction settles (usually within two business days) or as permitted by payment system rules. In some cases, the hold may exceed the amount of the transaction. When the hold ends, the transaction is posted to your account. If your account is overdrawn after the transaction is posted, an Overdraft Item Fee may be assessed. An Overdraft Item Fee is not charged on consumer accounts when ATM transactions or one-time debit card transactions were approved at the time of the transaction based on a positive available balance (excludes overdraft limit) but later post when the account has a negative ledger balance.
  • Except as described herein, County Bank may not authorize items for payment if your account does not contain available funds (including the Overdraft Privilege limit) to cover the item(s) and the amount of any fee(s).
  • County Bank may also suspend your debit card if your account is overdrawn more than thirty-two (32) consecutive calendar days. Debit cards on your account will remain suspended until you make sufficient deposits so that your account balance is positive.
  • County Bank may also suspend your debit card if we are unable to contact you due to an incorrect mailing address or phone number(s). You must contact us with your correct mailing address and/or phone number(s) to have your debit card reinstated.
  • If your debit card is suspended, you will be unable to use your debit card for purchases or to access your account at the ATM, and if you use your debit card for recurring payments, e.g., utilities, you are responsible to make other arrangements for your recurring debit payment(s).
  • Overdraft Privilege is not a line of credit; it is a discretionary overdraft service that can be withdrawn at any time without prior notice.
  • Overdraft Privilege may be discontinued if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within thirty-two (32) calendar days for a minimum of one business day. You must bring your account balance positive for at least one business day to have Overdraft Privilege reinstated.
  • Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all overdraft and fee amounts, as described in the Deposit Account Agreement and Disclosure. The total (negative) balance, including all fees and charges, is due and payable upon demand.

Still have questions?

Visit a branch location or Call us at (302) 226-9800

Printable Documents:

Extended Coverage Consent Form

To add or update Overdraft Protection and
Overdraft Privilege:

Call us at (302) 226-9800
Fax us at (302) 226-9865
Email us at support@countybankmail.com

Stop by a branch to sign up for these services or mail us:

County Bank,
19927 Shuttle Rd,
Rehoboth Beach, DE 19971,
Attention: Call Center / Opt-In