Overdraft Services

At Hickory Point Bank we understand that sometimes, life happens. Unanticipated problems and expenses come up. Our overdraft services make those times a little bit easier by helping you cover the transaction when you don’t have the funds in your account. 

  • Check Extra: Check Extra is a discretionary overdraft program offered to qualifying customers to have overdrafts covered up to a certain dollar amount.  Check Extra can be changed or withdrawn at any time without notice.  Check Extra applies to checkspreauthorized automatic debits, ACH or other electronic transactions presented for payment against the account. Contact for more details and additional information.
  • Check Extra Plus: An extension of Check Extra,  which detemines how the Bank handles one-time debit card/point of sale (POS) transactions that overdraw a  client’s checking account. A customer must be included in Check Extra to be eligible for Check Extra Plus.Contact for more details and additional information.


The Check Extra Discretionary Overdraft Program (“Check Extra”, “Check Extra Plus” or “the Program”) offered by Hickory Point Bank (the “Bank”) is not a line of credit, or a right or obligation guaranteed to you.  This is a discretionary program that can be changed or withdrawn at any time without notice.  Check Extra is in effect for checks, preauthorized automatic debits, or other electronic transactions where there are insufficient funds in your account to cover the transaction.  Check Extra Plus is available for these same transactions, as well as one time debit card transactions, so long as you have provided the Bank your affirmative consent to authorize and pay one time debit card transactions into overdraft. Additional restrictions, regulations and fees apply.