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Overdraft Protection

Cash Reserve is an overdraft protection for Community Financial Services Bank checking accounts via pre-approved loan advances. Advances cannot exceed pre-approved limits. Required monthly payment of principle and interest are deducted from the checking account. The minimum required monthly payment is 5% of the total outstanding cash reserve advances or $20, whichever is greater. The annual fee is $35.


Sweep Account: sweep agreements offer peace of mind with checking overdraft protection. Transfers may be made from a Community Financial Services Bank checking or savings account. A fee of $5.00 for checking or savings will be charged for each transfer, and the agreement must be on file prior to the overdraft.*


*For fee schedule call (270) 527-4600 or 1-888-226-5669.