Occasional Overdraft Service (OOS)

Occasional Overdraft Service (OOS) is a courtesy service Community West Bank offers that comes standard with all eligible checking accounts in good standing, should an overdraft occur that covers checks, ACH, and recurring debit transactions.

Eligible Accounts:

Simplicity Checking
Secure Checking
Relationship Interest Checking
Small Business Checking
Small Business Interest Checking

How to Add Service:

Comes standard for all eligible accounts.

Transactions Covered:

Checks
ACH and Recurring Debit Card Transactions

Limits:

Dynamic Limits (determined by your account history, deposit activity, and other patterns of account activity)

Cost:

No setup fee - automatically included with eligible accounts

Consumer:

$25 NSF (Overdraft Fee) with a maximum of 4 items ($100) per day
$10 NSF (Returned Item Fee) with a maximum of 4 items ($40) per day

Non-Consumer:

$25 NSF (Overdraft Fee) with a maximum of 8 items ($200) per day
$10 NSF (Returned Item Fee) with a maximum of 8 items ($80) per day

Occasional Overdraft Service Plus (OOS Plus)