At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be costly and potentially embarrassing experience.

At Belmont Savings Bank, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly. However, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned.

That's why we provide "Overdraft Privilege" a special overdraft service for Belmont Savings Bank's checking customers.

• Belmont Savings Bank generally will honor overdrafts up to the Overdraft Privilege limit on your account.
• You will be charged our standard NSF fee of $20 for each overdrawn item created by check, in-person withdrawals, ATM withdrawals or other electronic means paid under the limit. All negative balances must be brought positive within 30 days. Belmont Savings Bank reserves the right not to pay if account is not kept in good standing. Please contact a customer service representative at 617-484-6700 for more details.

Overdraft Privilege is a non-contractual courtesy which is available to individually/jointly owned accounts in good standing for personal or household use. Belmont Savings Bank reserves the right to limit participation to one account per household and to discontinue this service without prior notice.