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Academy Bank authorizes and pays overdrafts for the following types of transactions based on the length of time your account has been open: (1) checks and other transactions made using your checking account number such as ACH direct debits and (2) automatic bill payments. The bank will not authorize and pay overdraft for the following types of transactions unless you ask to: (1) ATM transactions and (2) everyday debit card transactions. If you want Academy Bank to authorize and pay overdrafts on everyday debit card and ATM transactions, log into your account through Online Banking, click the "Reg E Overdraft Opt In" button. For every overdraft item the bank will charge a $25 fee. The maximum fee the bank will charge per day is $125.
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