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What you need to know about overdraft practices and 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 standard overdraft practices that come with your account.

2. We also offer overdraft protection plans, such as a link to another savings account, which may be less expensive than our standard overdraft privileges. To learn more, ask us about your options.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

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

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

After August 15, 2010, we will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

  • ATM transactions
  • Everyday debit card transactions

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 check will be returned or your transaction will be declined. Returned checks will be charged a $25 fee and additional merchant fees may apply.

What fees will I be charged if Kleberg Bank pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee of $25.00 each time we pay an overdraft.
  • The maximum amount of overdraft fees that may be assessed in a day is $125.

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

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, please complete the form below:

Opt In/Out Online Form





Opt In: I want Kleberg Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions.

For Accounts Specified Below





Decline: I do not want Kleberg Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions after August 15, 2010.
I/We confirm that the Internet access device(s) I/we will use to receive the related legal disclosures, agreements and online account signature forms; and I/we consent to receiving the related legal disclosures, agreements, online account signature form and the instructions electronically. I/we confirm that I/we have read and understand the information regarding the right to opt in or decline this financial institution's paying ATM or one-time debit card transactions.

I/We understand that I/we have an ongoing right to change this consent at any time.

Security Code

Please enter the letters and numbers from the image above.

Alternative Ways to Opt In/Out

  • By Phone

    Our Customer Service Representatives are standing by if you prefer to make your choice by phone.

    Kingsville: 361-592-8501

    Corpus Christi: 361-850-6800

  • By Mail

    If you prefer to make your choice by mail, please print this form and send it to:

    Kleberg Bank

    Attention: Deposit Operations

    P.O. Drawer 911

    Kingsville, TX 78364

  • In Person

    Sometimes it's easier to talk about things in person. Please visit any of our locations and ask a personal banker to help you decide which plan is best for you.