Other Services > Overdraft Services

Anyone can run a little short or make a mistake. Since life doesn’t always go according to plan, and overdrafts sometimes do occur, Old Missouri Bank’s overdraft options are designed with your convenience in mind.
 
Overdraft Privilege
As our standard overdraft service, your overdrafts may be approved if you have insufficient funds in your checking account (if your account is eligible for this service). There is no fee to add Overdraft Privilege to your account, and no fee if you never use the service. If an overdraft does occur, you will be charged an overdraft fee of $30.00 each time we pay an overdraft.
 
Enroll today by completing an “opt-in form”! To add Overdraft Privilege to your account, please read this notice (PDF), then return the signed notice to Old Missouri Bank or call us at 417-869-9000.
 
Line of Credit Overdraft Protection (DDL)*
A line of credit advances funds to your checking account to cover overdrafts. Total coverage is determined by your credit limit and is subject to credit approval. We do not charge to transfer funds from Line of Credit Overdraft Protection to your checking account; however, finance charges may be applied. To apply, visit an Old Missouri Bank branch or call 417-869-9000.  
 
Transfer Overdraft Protection
Transfer Overdraft Protection allows you to link another Old Missouri Bank account (such as a savings**, money market** or even another checking account) to your primary checking account. Funds automatically transfer from your secondary account to your primary account (up to the available balance in your secondary account) to cover most overdrafts. There is no charge for this service. To open a savings or money market account, please visit an Old Missouri Bank branch or call 417-869-9000.
 
NOTE: if an electronic transaction requires authorization at the time of the transaction (e.g. point of sale, ATM and debit card transactions), the authorization will be based on the available balance of the primary checking account, not the available balance of the secondary account.
 
Tips to Avoid Overdrafts
Use these tips to successfully manage your bank account and avoid overdraft fees. Old Missouri Bank also offers BankWise™ Online Banking and WisePay™ Online Bill Pay that you can use to help prevent overdrafts. Learn more >
 
Frequently Asked Questions
See more information about Overdraft Services and the important changes to consumer checking accounts.
 
*Subject to credit approval
** Savings and Money Market accounts are subject to limitations on the number of withdrawals

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