Overdraft Protection

In order to receive protection against debit card and ATM overdrafts, you must tell JCB you wish to receive this coverage. Government Regulation changes pertaining to ATM and debit card overdrafts took effect in 2010 for consumer accounts. Due to this regulation change, JCB needs your permission to offer this service for your ATM and everyday debit card transactions.

This regulation does not affect overdrafts from checks or automatic payments. Subject to our discretion, we will continue to provide overdraft service for these types of transactions. If you make an ATM or everyday debit card transaction which overdraws your account, overdraft service may enable us to honor your purchase and charge you a fee, while sparing you the inconvenience of having the transaction denied.