Authorization Form

What You Need to Know about Overdrafts and Overdraft Fees

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 overdrafts in two different ways:

  1. We have a discretionary overdraft practice that we apply to your account.
  2. We also offer an overdraft protection plan in the form of a Ready Reserve line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about this plan.

This notice explains our discretionary overdraft practices effective August 15th 2010.

We do authorize and pay overdrafts for the following types of transactions:

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

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 I be charged if Citizens Bank pays my overdrafts?

Under our standard overdraft practices:

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

Complete the form below and hit the Submit button or call 505-599-0182 Option 8 or print this form and deliver to any Citizens Bank branch location.
You may revoke your consent at any time.


I want Citizens Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions.
I do not want Citizens Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions.




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