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Overdraft Services

Shop with confidence knowing that Nodaway Valley Bank's Overdraft Privilege (ODP) program is there for you when you need it.  We will help you avoid the embarrassment and inconvenience of a declined card, plus you'll avoid costly fees from merchants for returned checks.


  • Overdraft coverage up to $800
  • Checks and ACH payments are eligible items
  • Debit card transactions are your choice for coverage*
  • See our fee schedule for fees assessed for items that overdraw your account

*Debit Cards Coverage is Optional

  • Opt In to prevent your card from being declined for insufficient funds
  • Opt Out for your card declined when it will cause an overdraft on your account
  • Learn more by watching an educational video in our Education Center

What you need to know:
ODP is a discretionary program that the bank may restrict at any time. It is also not a guarantee that overdrafts will be paid. The bank reserves the right not to pay items that overdraw your account. You should make every effort to immediately cover an overdraft. Any deposits made to an overdrawn account will be applied first to the negative balance.