Life doesn’t always go according to plan. Mistakes happen. Kinetic’s Occasional Overdraft Privilege Service (OOPS!) allows us to consider payment of reasonable overdrafts.

Have You Ever:

  • Made an honest mistake in your checkbook?
  • Found yourself "a little short"?
  • Had unusual or unforeseen expenses at just the wrong time?

Relax. . . You Deserve Consideration!

Rather than automatically returning, unpaid, any insufficient funds items that you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts.

Overdraft Privilege Can Mean:

  • You can avoid high charges from merchants for returned checks
  • You have new convenience and flexibility in managing your funds
  • Less aggravation and embarrassment

We will charge our normal non-sufficient funds or overdraft charge, as set forth in our Fee Schedule, for each item that will create an overdraft on your account. Of course, we are not promising to pay your overdrafts, not all accounts are eligible and some restrictions do apply. See the Occasional Overdraft Privilege Service policy for more information.

Overdraft Privilege is included with your eligible Kinetic Checking account.

ATM/Debit Overdraft Opt-In

We provide overdraft services for your ATM and everyday debit transactions upon your agreement (opt-in). To allow us to perform this overdraft service, you must opt-in. You can revoke your opt-in at any time. If you would like access to the Overdraft Privilege Service for ATM withdrawals and one-time debit card purchases, the process is easy:

  1. Opt-in online by logging in to your eBranch account and selecting Secure Forms at the top. From the drop-down menu, click Overdraft Services Consent Form.
  2. Call us at (706) 320-8500
  3. Send us an email

*Overdraft Privilege (OOPS!) is a discretionary service that a customer may opt-out of any time by notifying a Customer Service Representative. For each overdraft we pay, we will charge the standard per item overdraft fee set forth in our fee schedule (currently $35.00). OOPS! applies to a variety of transactions, including checks and other transactions made using your checking account number, automatic bill payments, ATM transactions and everyday debit card transactions; however, on consumer accounts we will not include ATM and everyday debit card transactions within our OOPS! Program without first receiving your affirmative consent to do so. Furthermore on consumer accounts absent your affirmative consent, ATM and everyday debit card transactions generally will not be paid under OOPS!. The amounts of any overdrafts, including our fees, are due and payable immediately or on demand. We can refuse to pay any overdraft for any reason.