This notice informs you of changes we will be making to our Overdraft Defender program that may affect you if you have an ATM or debit card, or apply for one in the future.
Currently, when you use your ATM or debit card, you have enjoyed the benefit of being allowed to overdraw your account to take care of an emergency, cover a purchase when you have made a mathematical error in your checkbook, or to withdraw extra funds when you need them most. Due to new federal regulations that are effective August 15, 2010, unless we have your prior consent, River Cities Bank will no longer authorize and pay ATM or one-time debit card transactions that would cause your account to become overdrawn. If you would like River Cities Bank to continue authorizing and paying ATM and debit card transactions that would result in an overdraft, please opt-in by contacting us through one of the methods listed below.
To opt-in, please contact us through one of these methods:
-Call 715-422-1100 (Wisconsin Rapids office) or 715-342-4400 (Stevens Point office)
- Complete the opt-in form and return it to the bank either in person or mail to River Cities Bank, PO Box 907, Wisconsin Rapids, WI 54495-0907 Opt in Form
- Send an email to ScottR@rivercitiesbank.com. Please put Opt in for ATM/Debit Card Overdrafts in the subject line. Also include your name and the last 3 digits of the accounts you would like to opt in.
Below you will find a “What You Need to Know about Overdrafts and Overdraft Fees” information
sheet. Please review these materials and determine if opting-in to overdraft coverage through your
ATM or debit card is right for you. If we do not hear from you, you will automatically be opted-out.
Please keep in mind that you will continue to receive Overdraft Defender coverage for your
checks written, withdrawals made at a teller window, and ACH debit transactions (automatic
Branches and additional offices:
(715) 342-44005709 Windy Dr Ste A Stevens Point, WI 54481-8482