1Overdraft charges of $29 per item apply. Fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. ATM and everyday debit card transactions will be covered only if prior authorization is on file with the bank. We reserve the right to require you to pay an overdraft immediately or on demand. All negative balances must be brought positive within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay an item. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. 2Transfers made from savings and money market accounts are limited to six per statement cycle. 3Loan qualification standards apply. 4Annual Percentage Rate. Subject to change.