CLEAR Coverage
Our plan for life's everyday financial ups and downs.
Do you ever get the feeling that you're living under a cloud of financial stress? We all do. Sometimes life just happens - the car breaks down, the kids need money for a school trip. That's why we offer CLEAR Coverage, a checking add-on service that will help you breathe easier knowing that you have access to reduced overdrafts within a grace zone. CLEAR Coverage is the CLEAR choice!
For $10 a month, CLEAR Coverage works like a safety net for your checking account and is designed to help you save money:
- Perfect for customers looking for a small safety net on their account.
- You have access to a $50 grace zone with reduced overdraft fees.
- Discounted overdraft fees beyond the grace zone.
- Rebates if the service is not used for a full statement period.
- See below for more details!
Discounted Overdraft Fees and Rebates:
CLEAR Coverage goes beyond the grace zone. What does that mean for you? You get the benefit of receiving discounted overdraft fees if you go beyond your grace zone. Plus, if you do not use your service for the entire statement period, you will receive a rebate of 50% of your CLEAR Coverage service charge. Here are all of the details:
|
|
CLEAR Coverage |
|
Grace zone |
$50 |
|
Monthly service charge |
$10 |
|
Rebate if CLEAR Coverage is not used |
$5 |
|
Reduced overdraft fee in the grace zone |
$10 |
|
Discount on overdraft fees beyond the grace zone |
5% |
How CLEAR Coverage Works:
You have a $0 available balance in your checking account and make two debit card purchases; a $10 gas purchase and a $20 grocery purchase. While you made $30 in purchases beyond your account available balance and in your grace zone, with CLEAR Coverage you saved $54 in overdraft fees.
To learn more about CLEAR Coverage, visit your local BestBank branch, call 1-800-235-INFO (4636) or read the Service Agreement for full details!
BestBank offers financial solutions that benefit hard-working families and the communities where they live and work. With a helpful, knowledgeable and friendly staff, BestBank is there to help you achieve your financial goals. Whether it’s saving for the future or managing your day-to-day purchases, BestBank is there for you.
CLEAR Coverage is a service available for BestBank personal checking accounts. A monthly service fee applies. See the CLEAR Coverage Service Agreement for terms and conditions. The bank pays items in the Grace Zone (excluding automatic transfers between accounts) and charges a reduced overdraft fee of $10 per item for insufficient or unavailable funds (funds subject to check or debit card holds). Fees charged for paying overdrafts as well as the amount of the overdraft item are subtracted from the Grace Zone amount. Paying overdrafts beyond the Grace Zone is not guaranteed and we typically do not pay overdrafts if your account is not in good standing or you are not making regular deposits. The discounted fee for each overdraft item paid or returned beyond the Grace Zone is $33.25 for accessing unavailable funds and $35.15 for insufficient funds. The categories of transactions for which a fee may be imposed include ATM and everyday debit card transactions, checks and other transactions made using your checking account number, automatic bill payments and preauthorized automatic debits, telephone-initiated or electronic transfers. This service will work in conjunction with your opt-in choice for ATM and everyday debit card transactions in the grace zone and beyond. You must repay an overdraft immediately to avoid the consecutive day overdrawn fee. Excessive use of the service will result in significant overdraft fees. Fees and terms are subject to change. ©2011 BestBank Member FDIC
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