1 If your account reaches a zero balance, it will automatically be closed. 2 Written checks will cost $0.25 per check after limit. 3 Deposited Checks will cost $0.25 per check over amount listed. 4 Mobile Check Deposit is available after a 30-day waiting period and approval. 5 Courtesy Pay Overdraft Protection charges $35.00 per item overdrawn. The fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means. ATM and everyday debit card transactions will be covered only if prior authorization is on file with the bank. Negative balances must be made current within 30 days but will be subject to a $4.00 per day fee beginning on day three the account is negative. Overdrafts are paid at the sole discretion of the bank. Overdrafts may not be paid if your account is not in good standing.