Safeguard Overdraft Service (SOS)
If you should overdraw your consumer checking account; we can, at our discretion, decide to cover your overdrafts up to $750, as outlined in our Safeguard Overdraft Service Policy.

This value-added service may save you the embarrassment and inconvenience of a returned check as well as the fee normally charged you by merchants for checks returned to them.  If you have directed us to, we will also make this overdraft limit available to you at the ATM for your cash withdrawals and when you use your Evans debit card for purchases at retail merchants, which can help you avoid the inconvenience and embarrassment of declined electronic transactions.

If an overdraft does happen, your account will be charged our standard insufficient fund fee for handling each item paid by your overdraft limit.  This is the same fee that Evans Bank currently charges for items drawn against insufficient funds, paid or returned to the payee.  Contact your local branch to opt into this service.