Eligiblity Requirements for Overdraft Services

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Initial Eligibility

Overdraft Services are automatically available with a preset overdraft limit for your consumer-owned checking accounts if the following requirements are met:

  • Your account has been open for 30 days
  • Your account has not had an overdraft during the last 30 days
  • Your account has had deposits of $500 or greater during the last 30 days
  • The primary owner of the account must be at least 18 years of age
  • You do not have a loan with YNB that is past due 45 days or greater
  • Your account does not have a linked Checkmagic

Continued Eligibility

The following requirements must continue to be met to retain your Overdraft Services:

  • Your account balance is brought positive for one full day at least once every 30 days
  • The primary owner of the account must be at least 18 years of age
  • You do not have a loan with YNB that is past due 45 days or greater
  • Your account does not have a linked Checkmagic