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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.   An overdraft occurs when there is not enough money in your account to cover a transaction, but we pay it anyway. Overdrafts can be covered in two different ways: Standard overdraft practices come with your account. Overdraft protection plans, such as a link to another checking or savings account or to a line of credit, are also offered and may be less expensive than standard overdraft practices.* To learn more, ask us about these plans. *Lines of credit cannot be used for overdraft protection on business accounts. 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 Overdrafts are paid at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If an overdraft is not authorized and paid, your transaction will be declined. What fees will I be charged if AmericanWest Bank pays my overdraft? In California, Idaho and Washington: Under our standard overdraft practices: You will be charged a fee of up to $30 each time an overdraft is paid. An additional $5 daily fee will be assessed if your account is overdrawn 5 or more consecutive business days. The total fees that can be charged for overdrawing your account will not exceed $150 per business day. In Utah: Under our standard overdraft practices: You will be charged a fee of up to $23 each time an overdraft is paid. An additional daily fee will be assessed for each calendar day your account is overdrawn, based on the amount overdrawn as shown in the table below: Overdraft Balance Daily Fee $10 to $500 $1.50 $500.01 to $1,000 $3.00 $1,000.01 to $5,000 $7.00 $5,000.01 to $50,000.00 $10.00 or 0.10% of the OD balance, whichever is greater $50,000.01 or more $50.00 or 0.10% of the OD balance, whichever is greater The total fees that can be charged for overdrawing your account will not exceed $150 per day. What if I want the 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, click here or visit any AmericanWest Bank financial center. Back to You Can Choose Continue to Opt-In Member FDIC     Equal Housing Lender Home | Locations | Contact Us | Privacy Policy © 2005 - 2012 AmericanWest Bank. All rights reserved.