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July 15, 2010

Dear Customer:


New regulations are affecting overdraft protection policies at banks nationwide, and this letter is to inform you about changes that could impact you.


Here at O’Bannon Bank, we make every attempt to avoid the negative impacts of overdrawn accounts, so when accounts are opened, our customers are typically enrolled in our standard overdraft service which currently includes checks, automatic payments, and ATM and debit card transactions. 


Beginning August 13, 2010, the everyday purchases you make with your debit card and your ATM transactions will no longer be covered by our standard overdraft service. This means that if you use your ATM or debit card and you do not have enough money in your account to cover that transaction, your card could be denied.


If you want to continue overdraft protection on your ATM and everyday debit card transactions, you must give us your permission by opting-in to keep this service. 


To opt-in, please complete the attached ATM/Debit Card Consent form and return it to any of our branches, fax it to 417-345-6116, or mail it to PO Box 890, Buffalo, MO 65622.  You can also call us at 417-345-2251 and one of our customer service representatives will be happy to assist you with opting-in.   If you would prefer to opt-in electronically, click here.


Only one account holder needs to respond for joint accounts, and you may give or revoke your consent at any time.


Remember, without your permission, your ATM and debit card transactions will be declined if there are insufficient funds in your account.  If you have any questions, please call our Customer Service Department at 417-345-2251.



Bill Monday