Personal Banking

Overview

Spend your time managing your money, not your accounts.

OMNIBANK offers a wide variety of account options to fit your personal banking needs. Whether you want a straightforward Checking or Savings Account, or would like to boost your balances with a CD, IRA, or Money Market Account, or need a personal loan or credit card, we can help you choose the right tools for your needs.

A Regulatory Change Affects Your

Everyday Debit Card Transactions

If you use your debit card for everyday purchases at grocery stores, gas stations, doctors' offices, mortgage payments and so on, as well as for transactions at the ATM, you need to know about a regulatory change that will limit your safeguards in case of emergency. As of August 15, 2010*, we can no longer provide automatic Bounce Protection service on these everyday debit card purchases and ATM transactions.  If you want this service, you will need to specifically request that Bounce Protection be continued on your account for these transactions. Watch this space for more information and talk to us about your Bounce Protection options.

Disclosure  copy:

*The effective date of the the change is August 15, 2010 for accounts opened before July 1, 2010. For accounts opened after July 1, 2010 the effective date of the change is July 1, 2010. Beginning August 15, 2010, we will not authorize and pay overdrafts on ATM and everyday debit card transactions without account holder consent. An overdraft (OD) fee or insufficient funds (NSF) fee of up to $32.00 will be charged for covering overdrafts that result in a negative balance at the end of the day. Overdrafts maybe be created by  check, ACH, online banking transactions, phone transactions or other electronic means. Recurring debit card transactions (payments that are set up to bill  and pay automatically), such as an automatic draft from your health club or insurance company, may continue to be covered by your overdraft service. Once an overdraft has occurred you are required to bring your account to a positive balance within 30 days. We reserve the right not to pay if your account is not in good standing. Contact us if you have questions.

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