Overdraft Protection

Credit Reserve Line

• A credit reserve line is attached to your personal Amegy Bank checking account. Whenever you attempt to spend more money than is in your account, this line of credit helps protect you from accidental overdrafts.
• Please speak with a banker or visit your local branch for details.

Overdraft Funds Transfer

• When you’re running low on funds, a overdraft funds transfer moves money from your other Amegy Bank savings, money market, or secondary checking account to your primary checking account.
• Please speak with a banker or visit your local branch for details.

Debit Card Overdraft Service

• With Debit Card Overdraft Service for your personal account, Amegy Bank covers your ATM and one-time debit card transactions at our discretion, even when your funds are unavailable. This service is separate from other Amegy Bank overdraft protection options and you must opt-in. If you opt-in, these transactions may be paid at Amegy Bank discretion, which means Amegy Bank does not guarantee to always authorize and pay these transactions and fees will apply. This service is available to personal accounts only.
• Please speak with a banker or visit your local branch for details.

Overdraft Fees

Personal Accounts

• Insufficient Funds Fee for Returned Items: $0.00
  • For any transaction the bank returns or declines that will overdraw the account.
• Overdraft Fee for Paid Items: $29.00
  • Per check, ACH, or wire transaction that overdraws your account.
  • Per ATM or Everyday Debit Card Transaction that overdraws your account - if you have opted-in to our Debit Card Overdraft Service.
  • Per multiple-use debit card transaction that overdraws your account.
  • Per non-debit card transaction that overdraws your account.
  • We will charge your account no more than five per-item Overdraft fees on any business day. We will not charge any per-item Overdraft fees if your account is overdrawn $30 or less after all credit and debit transactions are posted to your account following the close of the business day.

Business Accounts

• Insufficient Funds Fee for Returned Items: $0.00
  • For any transaction the bank returns or declines that will overdraw the account (not applicable for Analyzed accounts).
• Overdraft Fee for Paid Items: $29.00
  • Per check, ACH, or wire transaction that overdraws your account.
  • Per multiple-use debit card transaction that overdraws your account.
  • Per non-debit card transaction that overdraws your account.
  • We will charge your account no more than ten per-item Overdraft fees on any business day. We will not charge any per-item Overdraft fees if your account is overdrawn $30 or less after all credit and debit transactions are posted to your account following the close of the business day (not applicable for Analyzed accounts).