Personal Checking

Personal Checking

Overdraft Services

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Every customer has unique financial needs, and at Westamerica, we provide options on how to manage your account based on your personal financial style. Responsible account management is important and diligently monitoring your checking account activity will allow you to keep track of your balance, identify unauthorized activity, and help you avoid overdrawing your account. You should make every effort to avoid overdrawing your account since our resulting fees and charges can be very expensive. By not overdrawing your account, you can avoid these fees.

Questions and Answers

What is an overdraft?

How do overdrafts occur?

What are Overdraft Services?

How does it work?

Are there fees?

What transactions are covered by Overdraft Services?

What is Standard Overdraft Service?

What is Expanded Overdraft Service?

Opting Out: Can I choose not to have any Overdraft Service?

How do I change the type of Overdraft Service I have?

How can I avoid overdraft fees?

Here are some tips to avoid overdrafts.

Can I have Linked Overdraft Protection, an Extra Cash Overdraft Protection Line of Credit, and Overdraft Services?

What will happen to my transaction if I don't have enough money?

Where can I go for more information?

Additional Resources