Documentation and compliance are at the core of the program:
Overdraft Options^sm integrates specific qualifying criteria and comprehensive documentation to address the concerns of regulators. Customer letters and periodic reminders have been reviewed extensively during routine examinations of our client banks. And we stay on top of issues as they arise, working hard to keep your program compliant in the future. Customer management reports, an overdraft policy template, customer oriented “opt-out” procedures and reports assisting in complying with recent changes to the quarterly call report all indicate our dedication to compliance issues.

Overdraft Options^sm integrates several things that auditors and examiners seem to appreciate … consistency … clarity of decisions … periodic management reporting … and, comprehensive documentation of customer communications.