Your Right to Continue Overdraft Coverage

Surrey Bank & Trust can no longer 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 What You Need to Know about Overdrafts and Overdraft Fees, which contains information about Surrey Bank & Trustís overdraft practices. To give us authorization to consider authorizing and paying ATM and everyday debit card transactions, please:

  • Call (336) 783-3912 or 783-3924
  • Complete this secure form, making sure to save or print a copy for your records.
  • Ask for an authorization form at your nearest branch location.†

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.