Commercial Bank of Texas, N.A.


What You Need to Know about Overdrafts and Overdraft Fees
Effective August 15, 2010

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 two different ways:

  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

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, your transaction will be declined.

What fees will I be charged if Commercial Bank of Texas, N.A. pays my overdraft?

Under our standard overdraft practices:

What if I want Commercial Bank of Texas, N.A. 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, please call toll free (888) 776-2240 24 hours a day and choose Option 8. You may also visit www.cbtx.com, or complete the form below and drop it off at any branch or mail it to: CBTx – Opt In, PO Box 635454, Nacogdoches, TX 75963-5454.

Take Action Now.

If you do not Opt In by August 15, 2010, we will not provide Overdraft Privilege coverage for any ATM or everyday debit card transaction that would cause your account to reach a negative balance. If there are insufficient funds in your account, the debit card or ATM transaction will be declined.


I want Commercial Bank of Texas, N.A. to authorize and pay overdrafts on my ATM and everyday debit card transactions for this account. (OPT IN)
I do not want Commercial Bank of Texas, N.A. to authorize and pay overdrafts on my ATM and everyday debit card transactions for this account. (OPT OUT)

*Customer Name:
*Date:
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