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Understanding and Avoiding OverdraftsUnderstanding and Avoiding Overdrafts small

Phoenixville Federal helps you protect yourself and your accounts with common sense options. When you write a check, use your debit card or make an automatic bill payment for more than the amount in your checking account, your account becomes overdrawn.

The best way to avoid overdraft fees is to manage your account so you do not overdraw on it. Keep track of how much money is in your checking account by:
…keeping your checking register current
…paying special attention to electronic transactions
…not forgetting about automatic payments
…reviewing your account statement each month

Phoenixville Federal offers two convenient ways to protect your account and your reputation!

  1. Overdraft Protection: Link your checking account to a Phoenixville Federal savings account and, should it happen that you overdraw your checking account, the bank will transfer sufficient funds from your savings account for a small transfer fee.
  2. Overdraft Privilege: Phoenixville Federal offers a courtesy overdraft protection as long as you maintain your account in good standing. There is no annual fee or interest charge but there is a fee each time the bank pays an overdraft for non-sufficient funds. The bank may revoke Overdraft Privilege at any time without notice.

Please refer to the Phoenixville Federal Fee Schedule for current overdraft and transfer charges or contact your local branch to learn more.

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