Monroe Bank and Trust > Personal Banking > Overdraft Services
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Overdraft Services

What You Need To Know About Overdrafts and Overdraft Fees

We encourage good record keeping, but we realize mistakes happen to everyone - a checkbook error, an unrecorded ATM withdrawal, and so on. For years, we have striven to authorize everyday debit card and ATM transactions when insufficient funds exist in our customers’ accounts. We believe this service is important to save you from the embarrassment of a declined card while also allowing you to purchase the products or services you were attempting to buy – especially in an emergency.  

Click here for information about MBT’s Overdraft Program


Point of Sale and ATM Transaction Overdraft Coverage

Federal regulations also require us to obtain your permission to cover ATM or point of sale debit card transactions that might cause an overdraft.  Deciding whether to opt-in to this coverage is an important decision, and we want to ensure that you are fully informed about your options

If you decide to Opt-In: ·          

  • You DO want us to try to cover your ATM and everyday debit card transactions regardless of your account balance. 
  • You are willing to incur the fees for this service. You’ll only incur the fees if we actually cover the overdraft for you. There’s no fee to opt-in to the protection. 
  • If we cover your overdraft, you will be saved the frustration and embarrassment of having your card declined.  

Do you want the benefits of Overdraft Services? Simply complete the form below and then click "Submit".

Remember, there is no cost for overdraft protection. You will only incur fees in the event that you actually overdraw your account. And, if you decide to consent to opting-in to this coverage, you can revoke that consent at any time. 

Please notify us of your decision by either completing and submitting the form below, giving us a call us at 800-321-0032, or visiting any of our convenient locations.  

Still can’t decide? Click here
for additional information to guide you through the decision-making process and help you make the best choice for your lifestyle.  

Thanks for being a customer of Monroe Bank & Trust. And please check out MBT online anytime at to learn about the many community and educational initiatives that are uniquely MBT. 

Important Notes:  After clicking "Submit" your browser will return to this page.  Please scroll down to the form area below.  If the form was completed properly, you will see a confirmation reference number.  If the form contained errors, you will be instructed to correct the original inputs and re-submit.  You may call the MBT Customer Service Center at 800-321-0032 for real-time assistance.

Mail In Form:  If you feel more comfortable mailing your OPT IN decision to MBT, please Click Here to download and print the mail version.  Mail to:  Overdraft Opt-In, Monroe Bank & Trust, 102 East Front Street, Monroe, MI  48161.

You may reconsider and change your decision at any time.




By submitting this form I acknowledge that:

1. I DO want MBT to try to pay my ATM and point-of-sale debit card transactions regardless of my account balance, and

2. I am willing to incur the service fees for this convenience, if MBT covers the overdraft.

* Required

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