We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payments

We will not authorize and pay overdrafts for the following types of transactions without your consent.

• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

Under our standard overdraft practices:

• We will charge you a fee of up to $35.00 each time we pay an overdraft
• We will not charge you a fee if your account is overdrawn less than $10.00 on any given day
• There is a limit of $175 per day on the total fees we can charge you for overdrawing your account
• What if I want Southern States Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions (Extended Coverage)?

If you want us to authorize and pay overdrafts for which an Overdraft fee will be assessed on ATM and everyday debit card transactions, call (256) 241-1092, click here to download the Overdraft Opt-Out Form and present it at a branch or mail it to: P.O. Box 2165, Anniston, AL 36202.  You can revoke your authorization for Southern States Bank to pay these overdrafts at any time by any of the above methods.  Your revocation must include both your name and your account number so that we can properly identify your account.