Action Requested
Important Information Affecting Your Checking Account

Dear AmeriServ Customer,

If you use your ATM or debit card for withdrawals or purchases, you could be affected by recent government regulations that require the bank to have your permission to continue your overdraft services on these types of transactions. In short, to continue to receive the benefit of or discretionary overdraft service, you will be required to “opt-in.”

What does this mean to you?

Should you decide to opt-in to receive discretionary overdraft coverage, we will apply our overdraft service - Overdraft Defender® - under the current terms and conditions. Should you decide to "opt-out," or no longer receive our discretionary overdraft service, insufficient funds will cause your one-time debit card transactions and ATM withdrawals to be denied.

I would like Overdraft Defender® applied to my ATM and debit card transactions as needed. To opt-in, select "continue" below.

I would like Overdraft Defender®

I would like to Opt-in


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An overdraft occurs when you do not have enough money in your account to cover a transaction (checks, check card, ATM, withdrawals, etc), but we may pay it anyway through our discretionary overdraft service. We can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans on some checking products, such as a link to a line of credit or savings account. To learn more, ask us about these plans.