What is the bank's policy on overdraft fees?

North Valley Bank's policy on overdraft fees aims to provide a transparent and fair system for our customers. We understand that overdrafts can occur unexpectedly, and we strive to assist our account holders through these situations. Our bank charges a reasonable overdraft fee that is disclosed in our fee schedule. If you have opted for overdraft protection, the fee is applied when you overdraw your account. However, North Valley Bank offers customers the opportunity to enroll in overdraft protection programs, including linking their accounts to a savings account or a line of credit, to avoid these fees altogether or minimize them. We encourage customers to manage their accounts responsibly, and we provide various resources and tools to help them stay informed about their account balances and payments.