Overdraft Privilege – Direct Deposit

Overdraft Protection: Your Checking Accounts’ Protection

Never again will you worry if there are enough funds in your account for a check to clear. With the Citizens Trust Bank Overdraft Protection, the check will clear without costly NSF fees. A savings account is the only requirement to add this additional feature to your checking account.

  • The exact overdraft amount can be transferred from your savings to your checking account
  • Low $5.00 fee for each overdraft


Overdraft Privilege

Overdraft Privilege is a discretionary service provided to eligible customers. It is designed to help guard customers against having items returned by our bank. At the discretion of Citizens Trust Bank, each eligible customer is provided a specific Overdraft Privilege limit depending on the type of account they have. NSF/Overdraft fees are included in the Overdraft Privilege limit.

IMPORTANT INFORMATION regarding Overdraft Privilege Accounts.


Regulatory Requirements: ODP Opt-In

Federal regulations state that account holders have to give affirmative consent or “opt-in” to having their non-sufficient funds transactions approved for ATM and everyday debit card transactions.

We will not authorize and pay overdrafts for the following types of transactions unless otherwise requested:

  • ATM transaction
  • Everyday debit card transaction

To continue the Overdraft Privilege service for ATM and debit card transactions your authorization must be received by choosing the Opt-In and give affirmative consent to the service for new and existing accounts.

Choose to “Opt-in” to the Overdraft Privilege service today.

Opt-In Through your consent, opting in, you will not encounter any disruptions to your present Overdraft Privilege services.

Opt-Out To change your consent opting out will remove authorization for Citizens Trust Bank to approve ATM and everyday debit card transactions.

The Citizens Trust Bank Overdraft Privilege will continue to be available for checks, ACH, and automatic bill payments unless you do not want to participate in the Overdraft Privilege service in its entirety.

Contact Citizens Trust Bank Customer Service (678) 406-4000 to be removed from the Overdraft Privilege Service or visit any one of our convenient Financial Center locations.

Overdraft Privilege Services Discretionary Policy.


Direct Deposit

Not enough time to make it to the bank each payday? Not to worry, Citizens Trust Bank offers Direct Deposit into any checking or savings account. Your paycheck will be automatically deposited into the available balance of your account each pay period and can be withdrawn the same day from the ATM or from a quick visit to any of our convenient locations.