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What is an overdraft?
An overdraft occurs when you spend or withdraw more money than you have available in your checking account to use.
One of two things happens when you do not have enough money in your account to cover a transaction. The transaction can be rejected without payment (it is sent back to the person or company you paid); this is called a return item. Or, the transaction is paid, causing your account balance to become negative, also called an overdraft. In both cases, a fee may be charged to your account for each item that is paid or returned unpaid.
We understand that occasional mistakes or temporary situations can cause you to overdraw your account. However, incurring overdraft or return item fees on a regular basis can be costly.
Central Pacific Bank offers the following overdraft protection options for your personal checking account for those occasional overdrafts:
At Central Pacific Bank, we believe that financial education helps people make informed decisions. For tips on how to prevent overdrafts, you can watch this short video: “How to Avoid Overdraft Fees.” You can also take the following steps:
For more information, please visit any branch or call our Customer Service Center at (808) 544-0500 or toll-free at 1-800-342-8422.
If you have Overdraft Privilege service on your personal checking account, your Overdraft Privilege is available for checks written, in-person withdrawals, ACH transactions, preauthorized automatic transfers and online bill payments and other transactions made using your checking account number. If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions as part of Overdraft Privilege, you must give us your consent. If you consent, our overdraft fees will apply to ATM and everyday debit card transactions. You may revoke your consent at any time. You can give us your consent or revoke your consent in one of the following ways:
If you have Overdraft Privilege service on your personal checking account and would like to discontinue (“opt out”) this service, please notify us in one of the following ways:
If you change your mind and would like to have Overdraft Privilege added back on to your account, please let us know in writing. Your account will be reviewed for eligibility during our periodic review process and you will be notified by mail when you qualify. You may mail your request to Central Pacific Bank, Attn: Overdraft Privilege, PO Box 3590, Honolulu, HI 96811-3590 or visit any branch.