toll free: 888-895-2125

Your NB&T checking account has a feature called Courtesy Overdraft Coverage that is designed with your protection and convenience in mind.  Federal lawmakers have created new rules that have changed the way overdraft coverage works with your debit card/ATM card.  We will no longer be allowed to provide this coverage automatically under the new regulations unless you tell us you want to keep it.


If you choose to keep Courtesy Overdraft Coverage, your debit card will continue to work the same way.  If you do not, your everyday debit card transactions and ATM withdrawals will be DECLINED if there is not enough money available in your account.


Please respond with your preference for courtesy overdraft coverage in one of three ways:


  1. Please call us at 888-895-2125 and tell us you want to keep Courtesy Coverage
  2. Click here to fill out the online form.
  3. Stop into any NB&T branch location and speak to a Relationship Banker about Courtesy Coverage



Call us at 888-895-2125, or visit any NB&T branch today if you would like to talk further about your choices for overdraft protection.

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