ATM/Debit Card Opt-In Form

Rio Bank highly recommends using our overdraft protection plan, Courtesy Sweep; which is linked to another account. This sweep transfer happens before the discretionary overdraft service and would be significantly less expensive than our standard overdraft practices. To learn more, ask us about this plan and how to set it up.

You have two options	Courtesy Pay	Courtesy Pay Plus
ATM overdraft fee	N/A	$35.99
Debit card overdraft fee	N/A	$35.99
Online bill payment overdraft fee	$35.99	$35.99
Check overdraft fee	$35.99	$35.99
Maximum number of fees	6 overdraft fees per day	6 overdraft fees per day
Daily Negative balance fee	We will allow a 3 day grace period prior to charging the $3.97 daily fee when account is overdrawn on balances of $10.00 & over.	We will allow a 3 day grace period prior to charging the $3.97 daily fee when account is overdrawn on balances of $10.00 & over.
Compare options with these examples	Example You plan to spend $75 at the grocery store using your debit card. Your account has $10 Your transaction is declined because there’s not enough money in your account $0 Overdraft fees $0 You still have $10	Example You plan to spend $75 at the grocery store using your debit card. Your account has $10 Your transaction is approved even though there’s not enough money in your account -$75 Overdraft fees -$35.99 You still have -$100.99**

What if I want Rio Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call our Courtesy Overdraft Department at (956) 631-7890 and tell us, or simply make selection and submit.

Required Field

Yes, I want Rio Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions, including the fees with paying my overdrafts.
No, I do not want Rio Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions.

First Name Last Name

Checking Account Number(s)

 Add Another Account Date

You agree that we may charge you a returned item fee each time the returned item is presented for payment and the money is not available in your account

By submitting this form I acknowledge my choice in the Courtesy pay plus overdraft service.

Please remember that you always have a choice, and you can change your mind at any time about having Courtesy pay plus overdraft on your account and whether or not you want ATM and everyday debit card transactions covered by Courtesy Overdraft Pay Plus.

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ATM/Debit Card Opt-In Form

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