Overdraft Coverage Options

Overdraft Protection

Applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account you may have at Bradford National Bank for a fee.

$10 per transfer

Overdraft Privilege

Allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage.

$25 nonsufficient funds fee per item

Want to sign up or discontinue?

Call or email us to sign up or discontinue this service at any time.

Extended Coverage

Transactions Covered With Overdraft Privilege Standard Coverage Extended Coverage
Checks X X
ACH Automatic Debits X X
Recurring Debit Card Payments X X
Online Bill Pay Items X X
Teller Window Transactions X X
ATM Withdrawals X*
Everyday Debit Card Transactions X*

*If you choose Extended Coverage on your consumer account, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Extended Overdraft Privilege coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage.

If you would like to select Extended Coverage for future transactions, call us at 618-664-2200, visit any branch, complete a consent form (link below) and mail it to us at 100 E. College, P.O. Box 279, Greenville, IL 62246, or email the bank at support@bradfordbank.com.

You can discontinue the Overdraft Privilege in its entirety by contacting us at 618-664-2200 or sending us an email at support@bradfordbank.com.

What Else You Should Know

  • Good account management is the best way to avoid overdrafts. Use our mobile banking, Internet banking, and telephone banking services to keep track of your balance. For additional financial education resources, please visit www.mymoney.gov.
  • If multiple items overdraw your account on the same day, each item will be assessed an appropriate Overdraft Fee of $25 or a Return Item Fee of $27. All fees and charges will be included as part of the Overdraft Privilege limit amount. Your account may become overdrawn more than the Overdraft Privilege limit amount because of a fee.
  • For consumer accounts, there is a $125 per day overdraft limit. For business accounts, there is no limit on the total overdraft fees per day we will charge.
  • Bradford National Bank may suspend your debit card if you incur overdrafts in excess of the available balance in your account, including any Overdraft Privilege limit (as described herein). Debit cards on your account will remain suspended until you make sufficient deposits so that your available balance, taking into account any Overdraft Privilege limit, is positive and then you contact us. Bradford National Bank may also suspend your debit card if your account is overdrawn more than 32 consecutive calendar days. Debit cards on your account will remain suspended until you make sufficient deposits so that your account balance is positive. You will be charged a $5 debit card reactivation fee per card when your card is reinstated.
  • Overdraft Privilege is not a line of credit; it is a discretionary overdraft service that can be withdrawn at any time without prior notice.

Click here for more information on overdraft coverage.

Money Management tools

Learn about more ways to manage your money.

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To sign-up for Bradford Touch Mobile Banking

  1. Log in to your online banking account.
  2. You will be prompted to sign-up for Bradford Touch Mobile Banking. Select “accept,” “decline,” or “Ask Me Later.”
  3. View and accept the Terms and Conditions. Click continue.
  4. Select whether you would like to have the Mobile Browser, Text Messaging, Alerts, the App or all of them.
  5. If you would like the App, enter your mobile phone number and click Send. A text message will be sent to your phone with the link to activate your Bradford Touch Mobile Banking.
  6. Select the accounts you want access to and your time zone. Click Continue.
  7. Enter your phone number and click continue. You will receive a text message.
  8. Enter activation code that is texted to your phone. (This happens quickly, so make sure you are able to receive texts).
  9. Then, click Go to Mobile Banking Main Menu, or “Exit Mobile Banking”

To Download the Bradford Touch Mobile Banking App

  1. Go to the App Store and type in Bradford National Bank
  2. Click to download the App.
  3. Once downloaded, click on the BNB app.
  4. Type in the App Code: GoMobile1449 to activate.
  5. Type in your username
  6. Answer your security question
  7. Enter your password
  8. You are ready to bank from your phone.

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