Overdraft Coverage Options:

Overdraft Protection and Overdraft Privilege

Murphy-Wall gives you the ability to choose how your spending is covered when unexpected expenses happen!
We understand that overdrafts occur from time to time—Overdraft Coverage can help.

SERVICE	COST
SERVICE Overdraft Protection link to another deposit account you hold at Murphy-Wall State Bank¹	COST $6.00 Fee Per Occurrence
SERVICE Overdraft Protection Line of Credit ^1,2	COST Subject to Interest and Additional Fees and Charges
SERVICE Overdraft Privilege Standard or Extended Coverage³	COST $35.00 AOD Paid Item Fee Per Item (Per Presentment)⁴
¹Contact Us at (877) 358-6554, email us at ebanker@murphywall.com, complete a secure form to request information from a CSR through your digital banking, or come in to one of our locations to sign up or apply for these services; ²Overdraft Protection Lines of Credit, such as the Medallion Reserve Account, are subject to credit application and approval; ³Overdraft Privilege is a discretionary service that can be withdrawn at any time without prior notice; ⁴Per Item (Per Presentment) means each time an item is presented, including re-presentment. Additional information regarding our policy on Insufficient Funds is provided in our Deposit Account Agreement and Disclosure.

SERVICE

COST

SERVICE

Overdraft Protection link to another deposit account you hold at Murphy-Wall State Bank¹

COST

$6.00 Fee Per Occurrence

SERVICE

Overdraft Protection Line of Credit ^1,2

COST

Subject to Interest and Additional Fees and Charges

SERVICE

Overdraft Privilege Standard or Extended Coverage³

COST

$35.00 AOD Paid Item Fee Per Item (Per Presentment)⁴

¹Contact Us at (877) 358-6554, email us at ebanker@murphywall.com, complete a secure form to request information from a CSR through your digital banking, or come in to one of our locations to sign up or apply for these services;

²Overdraft Protection Lines of Credit, such as the Medallion Reserve Account, are subject to credit application and approval;

³Overdraft Privilege is a discretionary service that can be withdrawn at any time without prior notice;

⁴Per Item (Per Presentment) means each time an item is presented, including re-presentment. Additional information regarding our policy on Insufficient Funds is provided in our Deposit Account Agreement and Disclosure.

Overdraft Protection applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or a line of credit you have at Murphy-Wall State Bank and Trust Company for a fee or a finance charge. ¹

Overdraft Privilege allows you to overdraw your account up to the disclosed limit, for a fee, to pay a transaction. Even if you have Overdraft Protection, Overdraft Privilege may be available as secondary coverage if the primary protection source is exhausted. Please review What Else You Should Know for other important information.

Transactions Covered with Overdraft Privilege	Standard Coverage No Action Required	Extended Coverage Consent is Required for Consumer Accounts⁵
Transactions Covered with Overdraft Privilege Checks	Standard Coverage No Action Required	Extended Coverage Consent is Required for Consumer Accounts⁵
Transactions Covered with Overdraft Privilege ACH-Automatic Debits	Standard Coverage No Action Required	Extended Coverage Consent is Required for Consumer Accounts⁵
Transactions Covered with Overdraft Privilege Recurring Debit Card Transactions	Standard Coverage No Action Required	Extended Coverage Consent is Required for Consumer Accounts⁵
Transactions Covered with Overdraft Privilege Online Bill Pay Items	Standard Coverage No Action Required	Extended Coverage Consent is Required for Consumer Accounts⁵
Transactions Covered with Overdraft Privilege Digital Banking Transactions	Standard Coverage No Action Required	Extended Coverage Consent is Required for Consumer Accounts⁵
Transactions Covered with Overdraft Privilege Teller Window Transactions	Standard Coverage No Action Required	Extended Coverage Consent is Required for Consumer Accounts⁵
Transactions Covered with Overdraft Privilege ATM Transactions	Standard Coverage No Action Required	Extended Coverage Consent is Required for Consumer Accounts⁵ ⁵
Transactions Covered with Overdraft Privilege Everyday Debit Card Transactions	Standard Coverage No Action Required	Extended Coverage Consent is Required for Consumer Accounts⁵ ⁵
⁵If Extended Coverage is accepted on a Consumer account, ATM Transactions and Everyday Debit Card Transactions will be included with the transactions listed under Standard Coverage. If Overdraft Privilege Extended Coverage has already been accepted by ANY owner of the Consumer account, it is not necessary to request coverage again. Business or Commercial Accounts automatically have Extended Coverage.

Transactions Covered with Overdraft Privilege