St. Marys Bank

What is Payment Privilege?
Payment Privilege is a discretionary overdraft service requiring no action on your part that provides you a safety net up to an automatically assigned overdraft limit. Your Payment Privilege limit may be available for checks and other transactions made using your checking account number or automatic bill payment and recurring debit card payment. Also, at your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit.


More on Payment Privilege

What does my Payment Privilege cost?
There is no additional cost associated with this privilege unless you use it. You will be charged our overdraft per item paid fee of $30 for each overdrawn item created by a traditional paper-based check, a teller withdrawal, an automatic payment (ACH) transaction, or a recurring debit card payment. Also, if you have requested us to do so, we may authorize and cover ATM transfers or withdrawals and everyday debit card purchases.

Extend the convenience of Payment Privilege to your one time debit card and ATM transactions.
If you wish to opt-in for Payment Privilege for your one time debit and ATM transactions, please enroll using one of the options below. 

After you make your selection, you may change your Payment Privilege coverage at anytime.