What is Trustco Bank's overdraft policy?

Trustco Bank's overdraft policy aims to provide customers with financial flexibility while ensuring responsible lending practices. When an account has insufficient funds, Trustco Bank may choose to pay overdrafts at its discretion. Eligible customers can opt-in for overdraft protection, linking their checking account to a savings or line of credit account. This option allows Trustco Bank to transfer funds automatically to cover overdrafts, saving customers potential fees. However, in the absence of overdraft protection or if customers exceed the available balance, Trustco Bank may decline transactions and charge an overdraft fee. To avoid fees, customers can monitor their account through online and mobile banking, sign up for balance alerts, and maintain an ample account balance.