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Overview Personal Checking   • Checking Accounts   • Visa Debit Card   • Reorder Personal Checks Personal Savings   • Savings Accounts   • Money Market Accounts   • CDs & IRAs Personal Lending   • Loans & Lines of Credit   • Residential Lending     ›Lender Directory     ›Request Information 24/7 Account Access   • Online Banking   • Online Bill Payment   • eStatements   • TeleService Other Banking Services What is Identity Theft? How to spot Phishing Scams.   You can now choose to have AmericanWest Bank approve your everyday debit card and ATM transactions at our discretion even if you don’t have enough money in your account at the time of your transaction. Because of a recently passed federal regulation, we cannot authorize or pay overdrafts for everyday debit card transactions unless you tell us that you would like this coverage. It’s up to you! You can choose to opt-in to Overdraft Coverage. Learn More... What is Overdraft Coverage? With overdraft coverage, your everyday debit card or ATM transactions may be approved, at our discretion, even when sufficient funds are not available in your account. An everyday debit transaction is a one-time, non-recurring debit card purchase or payment. This does not include checks, online bill payments, or recurring automatic debit card payments (such as gym memberships or internet service.) Why Opt-In? Save the inconvenience and embarrassment of a declined transaction. Make purchases even if you are not able to make a deposit until the next business day. If you have an unexpected expense or an emergency, your transaction may still be approved. If I opt-in, will my debit card charges always be approved? Whether a transaction is approved is discretionary based on your relationship with the bank. If I have Overdraft Protection set up from another deposit account or a line of credit, do I still need to opt in? Overdraft Protection allows automatic transfers of money from your savings, money market, or line of credit if your checking account is overdrawn.* Opting in provides an extra layer of protection that may allow your debit card to continue working if funds are not available in another account that is set up for Overdraft Protection. *Lines of credit cannot be used for overdraft protection on business accounts. How much does Overdraft Coverage cost? Standard overdraft fees may apply. See below for more details. There is no additional fee for opting into Overdraft Coverage and no fee if you never use it. What You Need to Know About Overdrafts and Overdraft Fees Read this important information before making your decision. Once an overdraft has occurred, you are obligated to bring your account to a positive balance promptly. Whether your overdraft will be paid is at AmericanWest Bank’s discretion, and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have had excessive overdrafts. If you have sufficient funds available under Overdraft Protection, funds will automatically be transferred from your savings, money market, or line of credit to cover your overdraft purchases. Overdraft Protection may be subject to credit approval. Fees may apply including a $5 transfer fee from linked deposit accounts. Whether you have Overdraft Coverage on your checking account will not affect how we treat your recurring debit card transactions (such as gym membership). In particular, we may, at our discretion, authorize and pay a recurring debit card transaction that causes an overdraft and charge an insufficient funds/overdraft fee even if you do not maintain Overdraft Coverage on your account. This information only applies to consumer accounts. If you have already Opted-In and would like to change your consent, click here: Member FDIC     Equal Housing Lender Home | Locations | Contact Us | Privacy Policy © 2005 - 2012 AmericanWest Bank. All rights reserved.