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Overdraft Protection Options:

Service Cost
Overdraft Protection Link to Another
Deposit Account you have at West
Central Georgia Bank1
$5 fee per transfer
Overdraft Privilege $30 Overdraft Fee per item.
1Call us at (706) 647-8951 or come by a branch to sign up or apply for this service.

Overdraft Privilege
With our busy lives, itís easy to make mistakes such as forgetting to deposit a check, make a transfer, or deduct your last debit charge from your balance. A simple error or balance miscalculation can lead to an unexpected shortage of funds.

West Central Georgia Bank may have the solution youíre looking for with our Overdraft Privilege program. Overdraft Privilege is not a line of credit. However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to your Overdraft Privilege.

Accounts will be charged the standard Overdraft fee of $30.00 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $30.00 for items returned. An overdrawn balance must be repaid within 32 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of 24 hours, if you default on any loan or other obligation to West Central Georgia Bank or if your account is subject to any legal or administrative order or levy.

West Central Georgia Bank will not pay overdrafts for ATM or everyday debit card transactions unless you have given your consent by extending coverage to the payment of these overdrafts. Please click HERE for more information about extending your Overdraft Privilege coverage.

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