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Sugar River Bank

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What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. The Bank can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account.
  2. We also offer an overdraft protection plan in the form of a personal overdraft line of credit* which may be less expensive than the standard overdraft practices. To learn more about these products, ask us about these plans. *Subject to credit approval

This notice explains our standard overdraft practices:

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments
We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):
  • ATM transactions
  • Everyday debit card transactions (Point of Sale transactions)

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.
If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Sugar River Bank pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee of $30.00 each time we pay an overdraft.
  • The maximum number of overdraft fees you may be charged in a day for overdrawing  your account is 5.

What if I want Sugar River Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call us at (603) 863-3000 or (800) 562-3145, visit, or complete the form below.

Effective upon notification to Sugar River Bank

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Should you change your mind and decide you no longer want us to continue to authorize and pay overdrafts on your ATM and everyday debit card transactions, you may revoke your authorization at any time by contacting us either in person, by mail, by phone, or visit

Thank you!