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An overdraft can happen to anyone for any number of reasons. When mistakes happen, we strive to pay overdrafts on the following types of transactions through our Courtesy Overdraft services:

  • Checks
  • Automatic bill payments
  • Telephone-initiated transfers or other electronic transfers
  • Preauthorized automatic debits
  • ATM transactions (included for business accounts, consumer accounts must opt in)
  • Everyday debit card purchases (included for business accounts, consumer accounts
    must opt in)

Kleberg Bank's Courtesy Overdraft service is a discretionary, non-contractual courtesy, where we strive to pay your overdrawn items and charge our standard NSF/OD fee of $35 for each item overdrawn. This policy is a discretionary courtesy and may be withdrawn at any time. Payment of your overdraft item is NOT guaranteed.


Courtesy Overdraft Plus Service — If you inform us, discretionary Courtesy Overdraft service may also be extended to cover the following types of consumer transactions:

  • ATM withdrawals and transfers
  • Everyday debit card purchases

Courtesy Sweep — You can link your checking or savings accounts. If you overdraw your checking account, we automatically transfer funds from one of your checking or savings accounts for no charge. 

Free Email or Text Alerts — Free email and text alerts let you know when your balance drops below a set level or if you have an overdraft. Log-in to online banking to set your alert options.

An overdraft can happen to anyone and for any number of reasons, but it can also cause you to pay fees. To help you avoid these fees, Kleberg Bank offers several options to help you avoid an overdraft on your account.

Monitor Your Balance — Track the money you deposit and withdraw from your account using Kleberg Bank's Online Banking on a regular basis. Online banking can be accessed from any desktop computer or try the Kleberg Mobile app on your smartphone or tablet. You can also call Kleberg Bank's 24-Hour Voice Banking at 361-595-4200 (Kingsville), 361-850-6854 (Corpus Christi) or 888-592-6317 (Toll Free). 

If you have a concern about your account or would simply like to discuss your overdraft prevention options, please contact us at 361-592-8501 (Kingsville) or 361-850-6800 (Corpus Christi). You can also learn more about smart ways to manage your money by visiting the following links to the FDIC's Money Smart program.