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Debit Card/ATM Overdraft Coverage1
IMPORTANT INFORMATION ABOUT YOUR POPULAR CONSUMER DEPOSIT ACCOUNT
(Checking, Savings and Money Market)
What you need to know about overdraft fees.
This notice explains our standard overdraft practices. An overdraft occurs when you do not have enough money in your account to cover a transaction, but the bank pays it anyway. Currently, we can cover your overdraft in two different ways:
We have standard overdraft practices that come with your account.
We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, please ask us about these plans.
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 and/or recurring debit card 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 be charged if Popular pays my overdraft?
Under our standard overdraft practices:
We will charge you up to $34 each time that we pay an overdraft. There is no fee charged for returned overdraft transactions.
We have a daily limit for charging up to three items. If you have more than three items overdraw your account in a single day, only the first three will be assessed a fee.
We will not charge you a fee if your account is overdrawn by $50 or less.
IMPORTANT: We will not authorize and pay overdrafts for the following type of transactions unless you ask us to:
ATM and everyday debit card transactions
What if I want Popular to authorize and pay overdrafts on my ATM and everyday debit card transactions?
If you want to opt-in for overdraft coverage for us to authorize and pay overdrafts on ATM and everyday debit card transactions, complete this form and sign below. If we do not hear from you, we will not authorize and pay overdrafts on ATM and everyday debit card transactions.
Call us at 1-888-610-5925
Visit your local branch and one of our bankers will assist you
Download and print the Overdraft Coverage Opt-In Form below and mail your completed form to:
Popular Bank (referred to herein as “we”, “us”, “our”) is a Member of the FDIC and is the mainland operating subsidiary of Popular, Inc. and an affiliate of Banco Popular de Puerto Rico.
Please never share your Popular account details with anyone. Popular will never ask you for your password through email, social media or a third-party website. Learn more.
This is a hyperlink to a third-party website, as described in our Weblinking Practices. Note that such third party's respective privacy policy and security practices may differ from those of Popular or its affiliates. Neither Popular nor any of its affiliates assumes any responsibility, nor do they control, endorse or guarantee any aspect of your use of any linked third-party website. Hyperlinks to third-party websites are solely for informational purposes and for use at your own risk.
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Important Update
The Speedpay® link to pay your loan is changing on January 28, 2021. If you have saved this link in your bookmarks please be aware that the old link will no longer work after December 16.
This is a hyperlink to a third-party website, as described in our Weblinking Practices. Note that such third party's respective privacy policy and security practices may differ from those of Popular or its affiliates. Neither Popular nor any of its affiliates assumes any responsibility, nor do they control, endorse or guarantee any aspect of your use of any linked third-party website. Hyperlinks to third-party websites are solely for informational purposes and for use at your own risk.
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