Overdraft Disclosure

ATM/Debit Card Overdraft Service

What You Need to Know about Overdrafts

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdraft in two different ways:

1. We have standard overdraft practices that come with your account.
2. We also offer overdraft protection plans, such as a line of credit attached to your checking account and automatic transfers from your savings or money market account. To learn more about these plans speak with a Flushing Bank representative.

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
• Recurring Debit Card transactions

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

• ATM transactions
• One-Time Debit Card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Flushing Bank pays my overdraft?

Under our standard overdraft practices:

• We do not charge a fee each time we pay an overdraft against your account.

What if I want Flushing Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

You can opt-in to our Everyday Overdraft Protection by completing the Consent Form which can be mailed, sent via secure email, or brought into one of our branch locations.