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Prime Overdraft

Life happens! Prepare for the unexpected with Prime Overdraft*.

Have you ever found yourself in a situation where you needed to cover your rent, gas, or groceries and you did not have enough money in your account? PrimeBank of Texas now offers overdraft protection plans to assist in those difficult situations.

Before giving consent and opting in to have this feature added, please be sure to read the important information below.

Overdraft Program DetailsWhat You Need to Know

Coverage Options Summary

An automated overdraft protection program offered on consumer checking
accounts that allows items to be paid into the overdraft up to a $200 limit.  Prime Overdraft is a non-contractual privilege intended for inadvertent overdrafts and may be revoked at any time by the bank.

PrimeBank of Texas’ Overdraft Practices

  • Per Item Charge of $30 after account balance is negative $35 or more
  • A maximum of 5 overdraft charges assessed per account per day
  • If account is overdrawn less than $35, there will be no overdraft
    charges assessed.

Option 1

  • Requires Opt-In to cover ATM and Debit Card Transactions
  • Pay Overdrafts on ATM/everyday Debit Card Transactions, Checks, and Other Transactions
  • Items are payed up to the Prime Overdraft limit of $200.

Option 2

  • Pay overdrafts on Checks and Other Transactions only
  • ATM and Debit Card Transactions will be declined and not payed under Prime Overdraft.
  • Items are payed up to the Prime Overdraft limit of $200.

Option 3

  • Does not pay overdrafts on ATM, Debit Card Transactions, Checks, and Other Transactions
  • Items may be returned, and a per item charge of $30 will be assessed with a maximum of 5 return item charges assessed per account per day.
  • Recurring Debit Card transactions will be paid and assessed the overdraft charge fee.

Ways you can opt in

Adding this additional service is easy. If you would like to sign up for Prime Overdraft coverage, use the button below to complete a quick form to give the bank approval to add this convenient service to your account(s).

  1. Complete the Consent Form below
  2. Call (830) 876-5221
  3. Visit any local branch
  4. E-mail us at [email protected]
Consent Form

    Make a selection

    I want PrimeBank of Texas to authorize and pay overdrafts on my ATM and everyday Debit Card transactions along with checks and other transactions under Standard/Prime overdraft.I want PrimeBank of Texas to pay checks and other transactions under Standard overdraft, but do not want to have PrimeBank of Texas authorize and pay overdrafts on my ATM and everyday Debit Card transaction.I do not want PrimeBank of Texas to pay checks and other transactions under Standard overdraft or authorize and pay overdrafts on my ATM and everyday Debit Card transactions.


    We take your privacy very seriously. We do not sell or share your information with anyone else. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    Automatic Transfers

    An automated transfer allows funds to be moved from another PrimeBank account to cover overdrafts in a consumer checking account.

    • There is no Overdraft Transfer Fee
    • Avoid $30 Overdraft Item Charge
    • Avoid costly merchant return check fees and creditor late fees
    • Balance of the transfer account is not available for ATM withdrawals or everyday debit card purchases unless also opted into Option #1

    PrimeBank OverDraft Plan Details

    Limited overdraft protection up to $200 automatically applies to consumer checking accounts (excluding money market and savings accounts). Prime Overdraft is a non-contractual privilege and may be revoked at any time at PrimeBank’s discretion.

    An overdraft charge per item of $30.00 will be assessed for each overdrawn check paid or other withdrawal request resulting in an overdraft and will be deducted from the $200 limit. This may result in multiple Overdraft Charges on the same day. A maximum of five Overdraft Charges will be assessed per account per day.

    When you withdraw funds from your account by check, in-person withdrawals, ATM withdrawals, or other electronic means for more than the amount in your checking account, you will overdraw your account. Prime Overdraft offers limited protection so that your withdrawn transactions will be paid. Under this plan, you will still pay an Overdraft Charge, which will be assessed for each withdrawal deducted from the Prime Overdraft limit, but you will avoid the merchant’s returned-check fee. Prime Overdraft is intended for inadvertent overdrafts and should not be used as a replacement for credit. PrimeBank of Texas reserves the right not to pay an overdraft item if your account is not in good standing, if you are not making regular deposits, or if you have repeated overdrafts.

    The Bank’s posting order for transactions is as received from smallest to largest amount. Ledger Balance is the ending balance of your account after all transactions have posted for a given day. Available Balance is your prior day Ledger Balance plus or minus same day transactions (such as ATM, Debit Card, ACH, checks or same day deposits), minus holds. ATM and Debit Card transactions are authorized or pre-authorized against your Available Balance. When ATM or Debit Card transactions are posted to your account, if the transactions cause the current day final Ledger Balance to be overdrawn by $35.00 or more, you will be assessed an Overdraft Charge.

    ATM and everyday Debit Card transactions will not be paid under Prime Overdraft and will be declined at the time of transaction unless you provide us with expressed prior notice of your intent to have those types of transactions paid into the overdraft. Everyday Debit Card transactions refers to non-recurring transactions. Recurring Debit Card transactions will be paid and assessed the overdraft charge.

    You may remove Prime Overdraft from your account at any time. You may also revoke your authorization pay ATM and everyday Debit Card transactions into the overdraft at any time. Overdrafts should be paid promptly. Failure to resolve an overdraft may result in the removal of the overdraft limit from your account or closure of the account.

    Overdraft Protection Plans

    PrimeBank of Texas offers overdraft protection plan that may allow you to avoid having your account go into the overdraft. This plan is offered in place of Prime Overdraft and include automatic transfers from another account. This plan may be less expensive than the Prime Overdraft program.

    An automatic Overdraft Transfer allows funds to be moved from another PrimeBank of Texas account to cover an overdraft amount. The $30.00 Overdraft Charge per item would not apply and there is no Overdraft Transfer fee per transfer. If funds are transferred out of an interest-bearing account, interest would not be paid on the amount transferred to cover the overdraft. Any customer who is owner of two deposit accounts (checking, savings, or money market accounts) may have an Overdraft Transfer.

    What You Need to Know about Overdrafts and Overdraft Fees

    An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in three different ways:

    1. We have standard overdraft practices that come with your account, under which items will typically be returned unpaid.
    2. We offer our Prime Overdraft program to all customers. Prime overdraft is a non-contractual privilege that allows items to be paid into the overdraft up to a limit of $200.
    3. We also offer overdraft protection plans that allow you to avoid having your account go into the overdraft. These plans are offered in place of Prime Overdraft and include automatic transfers from another PrimeBank of Texas account, (such as a savings account) which will be less expensive than our standard overdraft practices or the Prime Overdraft program. To learn more, ask us about this plan.

    This notice explains our standard overdraft practices, as well as Prime Overdraft.

    What are PrimeBank of Texas’s overdraft practices?

    We may authorize and pay overdrafts for the following types of transactions under both our standard overdraft practices and Prime Overdraft:

    • Checks and other transactions made using your checking account number
    • Automatic bill payments

    We do not authorize and pay overdrafts for the following types of transactions under our standard overdraft practices or under our overdraft protection plans. Under Prime Overdraft, we do not authorize and pay these types of transactions unless you ask us to (see below):

    • ATM transactions
    • Everyday Debit Card Transactions

    We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft for an ATM or everyday Debit Card transaction, your transaction will be declined.

    What fees will be charged if PrimeBank of Texas pays my overdraft?

    Under our standard overdraft practices and Prime Overdraft:

    • We will charge you a fee up to $30 each time we pay an overdraft up to a maximum of five fees per day if the ledger balance of your account is overdrawn by $35 or more.
    • If the ledger balance of your account is overdrawn by less than $35, no overdraft fee will apply.
    What if I want PrimeBank of Texas to authorize and pay overdrafts on my ATM and everyday debit card transactions?

    If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, complete the form below. You may provide or revoke your consent at any time by contacting one of our banking centers in person or by mail. The address of the banking center that opened your account is listed on your account statement.

    Ready to sign up for Prime Overdraft?
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