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OOPS! – Occasional Overdraft Privilege Service

Consider – Have You Ever…

  • Made a mistake in your checkbook?
  • Forgotten to record a deposit?   A purchase?   A withdrawal?   A check order?
  • Had to “guess” at what transactions a joint owner had made?
  • Had a transaction denied or turned down at checkout?
  • Had the embarrassment and expense of a returned check?

We cannot promise or guarantee these things will never happen, but what we can do is consider…

OOPS! Occasional Overdraft Privilege Service

Rather than automatically returning unpaid all insufficient funds items that you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts up to your assigned OOPS! Limit.

If you do not use the OOPS! Service, it costs you NOTHING.   If you do use the OOPS!, you WILL be charged our customary fees, and insufficient funds items will be paid.  

OOPS! can mean:   1. You avoid high charges from merchants for returned checks; 2. You avoid the embarrassment and inconvenience of denied purchases and dishonored checks; 3. Payment of occasional and inadvertent overdrafts up to your assigned OOPS! limit; 4. All you pay is our customary insufficient funds fee of $30.00 per item (Fees will be added to any outstanding overdrafts you may have and will be applied against your OOPS! limit).

To Be Considered – Eligible account types (Personal/Regular Checking, Direct Plus, Golden Plus, Money Tree, and Regular/EZ Business Checking) must have been open for al least thirty (30) days and maintained in good standing.   Deposits of at least $400 or more must be made on a consistent basis within each thirty (30) day period.   Customer must not be in default on any loan obligation to Community First Bank.   Account must not be subject of any legal or administrative order or levy, such as bankruptcy or a tax lien.  


This is a discretionary service.   You may always OPT-OUT and choose, at any time, to not participate in OOPS! by notifying one of our customer service representatives who will further explain what “opt-out” means.   OOPS! is intended as a discretionary courtesy or privilege provided to you from time to time.  

If at any time you feel you need help with your financial obligations, please contact one of our Loan Officers or Customer Service Representatives for further assistance.

Estate Accounts

These accounts are available to help settle estates.  
The account can be transferred from the original owner into the estate with little trouble.  
Our friendly customer service representatives will be able to assist you with the change.

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