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Beulah office:
(231) 882-4462

Benzonia office:
(231) 882-4476


Overdraft Privilege and Other Overdraft Solutions

Sometimes, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be costly, inconvenient and potentially damaging to your credit. At Central State Bank, we discourage overdrafts. We'd like to see you manage your checking account responsibly.

The best way to avoid overdrafts and fees is to keep track of your account by entering all checks, automatic withdrawals, debit card purchases and ATM withdrawals in your check register, reconcile your checking account regularly, and manage your finances responsibly. However, if a mistake occurs, Central State Bank offers several additional ways to cover overdrafts. 

Central State Bank wants to save you from additional merchant fees and possible harm to your credit history that might result if a check is returned. That's why we offer several easy and convenient ways to protect yourself from overdrafts including an Overdraft Protection Line of Credit, Minimum Balance Transfer from another account, or Overdraft Privilege, a special overdraft service for Central State Bank customers.

Visit these links for information on overdraft rules and fees and personal financial management:

Protecting Yourself from Overdrafts and Bounced Check Fees

What You Need to Know: New Overdraft Rules for Debit and ATM Cards

The FDIC also offers a free comprehensive educational program on personal financial management called "Money Smart" at:

Click here to download our Overdraft Privilege brochure, which provides answers to frequently asked questions.