An overdraft occurs when you spend or withdraw more money than is available in your Centric checking account and we pay it anyway. With an eligible account, Centric can cover the overdraft in different ways:
Overdraft Privilege is a service that applies to all transactions and may help prevent overdrafts by automatically transferring funds to your Centric checking account from another Centric deposit account for $5 per transaction. Also, Overdraft Privilege may be covered with a cash advance on your Centric credit card. Such transactions are subject to fees + interest.
Overdraft Privilege is a discretionary service provided to eligible accounts. It is designed to help guard members against having items returned or declined due to an accidental overdraft.
Yes! Centric will not add this privilege to your account unless you consent. You must let us know that you want to add Extended Coverage to your eligible checking account. You may consent by phone at (318) 340-9656 or Consent Online.
We will charge you a fee each time we pay an overdraft. View fee schedule.
There is no limit per day on the total fees we can charge you for overdrawing your account.
Let us help you balance your checkbook. First tell us the ending balance on your statement, then enter all of your outstanding checks, debits and deposits.
Do big things even with the little extra left over after the bills have been paid!
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