Overdraft Protection Options

Helping you manage the unexpected with confidence

At Highpoint Community Bank, we know that mistakes happen. An overdraft occurs when you don’t have enough money in your account to cover a transaction. Instead of having payments returned or declined, our overdraft protection options can help you avoid unnecessary fees, stress, and interruptions to your everyday banking.

Tools to Help Manage Your Balance

Track Your Balance

Keep a register of outstanding checks and scheduled payments.
Compare your register against your Online or Mobile Banking balance before spending.
You can also check balances at any HCB ATM or through iTalk, our telephone banking service.

Set Up Account Alerts

Create text or email alerts in Online or Mobile Banking.
Choose the balance threshold that will trigger an alert.
To set up, go to your account, then select “Alert Preferences.”

Use My Card Rules for Debit Card Control

Available in Mobile Banking under Card Management.
Receive alerts when your debit card is used.
Restrict card usage by location, merchant type, or spending limits to stay in control.

Ways to protect yourself when funds run short

Your Overdraft Protection Options at HCB

Option	How It Works	Best For
Overdraft Account Transfer	Automatically transfer funds from your savings to checking when needed.	Customers who maintain savings balances and want to avoid overdraft or NSF fees.
Overdraft Privilege	Covers overdrafts up to a disclosed limit for a fee so your transaction is paid	Customers who want extra coverage when other protection is not enough.
OD Fee Rewind	Gives you until 6:00 p.m. the next business day to correct your balance and avoid fees. Balance must be brought to -$10.00 or higher.	Customers who want flexibility and peace of mind for occasional mistakes.

Time to Grow?

Real Estate Lending and Commercial Construction are key areas of expertise for Highpoint Community Bank. Our commercial lenders are trained to develop a solid understanding of each opportunity and to work with customers to structure financing solutions that are both innovative and competitive.

Owner-Occupied Financing

Make your space an investment in your future. Our lending team helps you design financing that aligns with your operations and long-term plans.

Acquisition Loans

Move quickly on new opportunities. From office expansions to multi-unit properties, we’ll tailor financing that supports your growth strategy.

Development Loans

Transform ideas into structures that last. With flexible terms and local expertise, we’re ready to help you build what’s next.

Disclosure

¹ To earn premium interest rate, the following activity must be performed during the monthly qualification cycle:

Minimum of $1,000 in direct deposit(s) that post and settle on the account.
10 or more debit card transactions with a minimum transaction amount of $20 posted and settled on the account.
Confirmed enrollment in eStatements on the account.

Please note that transactions must post and settle on the account during the monthly qualification cycle. Transactions may take one or more business days from the date of the transaction to post and settle on the account. Qualifying debit card transactions include both PIN and signature transactions processed by the merchant and received by the Bank. Qualification cycle means a period beginning the first day of the current statement cycle through the last business day of the current statement cycle. When the premium rate of interest qualifications are met, the interst rate on your account will be tiered. Tier 1 - daily balance less than or equal to $15,000 and Tier 2 - daily balance over $15,000. Interest rates and corresponding annual percentage yields are available upon request. Rates are subject to change without prior notice and account fees could reduce earnings.

² Highpoint Community Bank will waive its own ATM access fee when you withdraw cash from a non-Highpoint Community Bank ATM at the time of the transaction. ATM surcharges imposed by non-Highpoint Community Bank ATM owners or operators are refunded upon customer request up to $15 per statement cycle. Please call, email, or chat through HCB Mobile Banking with your request.