|Overdraft Honors||InstaCash Line of Credit||Account Transfer||No Overdraft Coverage|
|How does it work||Discretionary overdraft protection program. Qualification requirements apply.*||Apply for a revolving line of credit.**||Link your primary checking account to another deposit account.||All checks, ATM and debit card transactions are declined if you do not have enough money in your account. Checks will be returned and merchant returned check fee(s) will apply. When you don't have enough money in your account, ATM and Check Card transactions will be declined.|
|Associated Fee(s)||$33/occurrence||$3/month and 18% interest on outstanding balance||$3/month|
|Benefits||Reduces merchant returned check(s) charges related to returned checks; Provides funds for check, ATM and debit card transactions when there's not enough money in your account.||Overdrafts are drawn on customer's line of credit, not Bank; Lower fee; Fixed interest rate; Flexible repayment schedule. Provides funds for check, ATM and debit card transactions when there's not enough money in your account.||Overdrafts are drawn on customer's account, not Bank; Lower fee; Provides funds for check, ATM and debit card transactions when there's not enough money in your primary checking account.||Bank fees may be lower as all ATM and debit card authorizations will be declined if sufficient funds are not available.|
*Based on account type, how long the account has been opened, average balance and number of days overdrawn. Talk to an Ameriana associate for details.
**Overdraft protection line of credit limits between $500 and $2,500 with 18.00% APR on unpaid balance. Advances made in $50 increments with $3 per month fee charged to checking account and monthly P&I payments.