At Affinity Bank we recognize that you have more on your mind everyday than the current balance in your checking account. That’s why we offer you a choice of Overdraft Protection Plans for those times when your check is more than your balance:

		Overdraft Line of Credit
		Overdraft Protection

		Easy to set up
		Credit lines from $1,000 - $10,000 upon approval
		Easy access by writing a check or online
		Serves as overdraft protection and a line of credit
		Repayment flexibility – minimum payment amount automatically deducted from your checking account each month – additional payments can be made by phone, online or at any Affinity Bank branch
		Save money – a fee applies for each transfer†, however these fees are likely much lower than fees for returned checks
		All transfers and associated transfer fees are reported on your monthly checking account statements

This is not a commitment to lend. All financing requires credit approval. Terms and conditions subject to change.

		Easy to set up – no application required
		Transfers funds automatically into your checking account as needed
		Allows savings account funds to continue to earn interest
		Save money – there is an annual fee† for Overdraft Protection plus a fee applies for each transfer, however these fees are likely much lower than fees for returned checks
		All transfers and associated transfer fees are reported on your monthly checking account statements

Federal regulations allow only six transfers per statement cycle from a Savings or Money Market account, three of which may be third party checks. Excessive activity will require your account to be closed or transferred to another type account.

† See additional terms and conditions governing deposit accounts in the Deposit Account Agreement and Schedule of Fees and Charges sent with your new account materials.