Your Right to Continue Overdraft Coverage


Effective August 15, 2010, Surrey Bank & Trust will no longer be allowed to authorize and pay ATM withdrawals and one-time debit card transactions that overdraw your account, unless you have authorized us to do so.¹

In accordance with federal law effecting all financial institutions, we must have your permission to consider approving overdrafts on ATM and everyday debit card transactions.¹  Without your authorization, Surrey Bank & Trust will be required to decline all ATM withdrawals  and one-time debit card purchases (such as gas, groceries, retail stores, restaurants, etc.) that would overdraw your account.

Please review this notice required by federal law, which contains information about Surrey Bank & Trust’s overdraft practices. To give us authorization to consider authorizing and paying ATM and everyday debit card transactions, please:

  • Call us at  call (336) 783-3912 or 783-3924
  • Visit any of our branch locations 
  • Complete this secure form , making sure to save or print a copy for your records.

¹ Surrey Bank & Trust pays overdrafts at our discretion, which means that we do not guarantee that we will always authorize and pay any type of transaction. Surrey Bank & Trust has the right not to pay any item.