To keep the debit/ATM overdraft services you have, we need to hear from you.

Overdraft services can be crucial when it counts most — those times when emergencies or unexpected expenses come up right when your balance is lowest.

To use overdraft service, you will need to give Heritage Bank, NA permission to cover your overdrafts or your overdrawn transaction will be declined.

How does our overdraft service work?

In the event you make a debit card purchase that overdraws your account, or request an ATM withdrawal that exceeds your balance, overdraft services allow us to cover the transaction. Then your purchase is honored at the cash register and your cash is dispensed by the ATM.

And, the next time you make a deposit, you pay us back for what we paid/covered, plus a fee for the service.

If you want to continue receiving overdraft services, we need your permission today. Otherwise, even in an emergency, your transactions may be declined. Click here to send us your permission online.


If you have questions, please visit our Help Center or contact us for assistance.