Managing and Avoiding Overdrafts

We provide Standard Overdraft Courtesy to all qualifying checking accounts in good standing as part of our service, where we strive to pay items on your account when insufficient funds exist as part of our discretionary service.

“Qualifying checking accounts” means checking accounts for standard use and are not, for example, Trusts, IOLTA, minor accounts. “Good standing” means you are making regular deposits into the account and clearing up any overdraft balance in 20 days or less.

Standard Overdraft Courtesy covers checks, ACH and recurring debit card transactions (e.g., monthly utility payments). It does not apply to ATM or one-time debit card transactions (e.g. purchases in stores, in restaurants or online.) To have these covered, you must “opt-in” to “Overdraft Courtesy Plus.”

No interest is charged on any negative balance in your account. However, the bank’s Overdraft Paid Item Fee of $33 is charged to your account for items that overdraw your account more than $5, and up to six items per day.

If you desire, you can choose to designate that all items, presented when insufficient funds exist, will be returned and the $33 Returned Item Fee will still apply.

Optional Services


Link Your Accounts

You can connect your checking account to another savings or checking account you have with Two Rivers Bank & Trust. If you overdraw your checking account, we automatically transfer funds from one account to the other for a $5 fee.

Overdraft Courtesy

You may extend your Standard Overdraft Courtesy to include ATM and one-time debit card transactions at stores or other venues by opting into this service. The same terms and fees apply as with Standard Overdraft Courtesy.

Overdraft Line of Credit

You may apply for an Overdraft Line of Credit with us, which is tied to your checking account.

  • If your account overdraws, we will transfer funds from your credit line into your checking account, up to your credit limit.
  • There is no annual fee and you will be charged interest on any loan balance.

Free Email Alerts

Free e-mail alerts let you know when your balance drops below a set level. To sign up, visit or log into online banking. It may take up to 24 hours for alerts to arrive via text or in your email.

Contact a Personal Banker to set this up.


The following tools and information will help you manage your account wisely and know your overdraft services options.

If you have questions about overdraft services or any other offerings, please contact your Two Rivers Bank & Trust representative.


Tips to Manage Your Account

  • Take advantage of free online banking to check your account balance, transfer funds and make loan payments anytime. Log into your online banking account to enroll.
  • Set up account alerts. We’ll text or email you when your balance is low. Log into your online banking account to set up alerts.
  • Download the Two Rivers Bank & Trust mobile app to check your balance, transfer funds and more.
  • If you have a joint account, designate one person as the account manager.
  • Review your finances weekly. Set a time each week to go over your spending.
  • Keep a running account balance by entering all checks, ATM transactions, debit transactions, account fees and deposits in your register.
  • Balance your check register against your statement every month.

Check Writing Basics

  • Always use a pen.
  • Don’t erase mistakes.
  • Never sign a blank check.
  • Be cautious post-dating checks.
  • Destroy unused or voided checks.

Keep Your Account Safe

  • Report stolen checks or debit cards immediately.
  • Don’t use other people’s checks or debit cards or let them use yours.
  • Update your personal information when moving or changing names.
  • Keep your checks and debit card in a safe place.

Balance Inquiries

  • When checking your balance at an ATM or with online banking, the balance provided reflects deposits and withdrawals actually posted to your account.
  • Keep in mind this balance does not reflect transactions such as deposits, checks, debits and ATM withdrawals that are still outstanding and have not been processed against your account.