As an additional form of overdraft protection, HTB Global Privilege may pay up to $300 in overdrawn transactions on your Checking Account without declining your checks, ACH debits or HTB Global Visa Debit Card purchases. This benefit may save you from the embarrassment and hassles of returned items. If you have overdraft protection with us already, either by linking your Checking Account to one of your HTB Global Savings Account(s), Home Equity Line of Credit or Personal Line of Credit, your current overdraft sequence will remain in place, so HTB Global Privilege may not be needed.

  • How much does HTB Global Privilege cost?

    While you could automatically qualify for HTB Global Privilege, there are fees if it is used. With HTB Global Privilege, you could incur a $32.00 Overdraft Fee (Paid NSF) per overdraft transaction. Should the overdrawn transaction amount be between $1.01 and $5.00, the Overdraft Fee (Paid NSF) declines to $5.00 per overdraft instance.

  • When would HTB Global Privilege be utilized on my account?

    We generally cover your items that will not take your available account balance more than $300.00 negative. We then assess the applicable fees even if that takes your account more than $300.00 negative.

  • What transactions are covered by HTB Global Privilege?

    HTB Global Privilege can be used to cover your checks, individually authorized ACH transactions and recurring ACH transactions. It can also be used to pay your one time/every day Debit Card transactions if you have authorized us to pay these transactions in a separate agreement.

  • What transactions are not covered by HTB Global Privilege?

    ATM and teller transactions like cash withdrawals or the purchase of a negotiable instrument are not covered by HTB Global Privilege.

  • What accounts are not eligible for HTB Global Privilege?

    Some accounts are not eligible for HTB Global Privilege. These include share accounts, Money Market Plus accounts, business accounts, trust accounts, UGMA/UTMA accounts, nonprofit accounts, estate accounts, public funded checking accounts, member accounts under 18 years of age and accounts of members with loans greater than 30 days delinquent. Your account would also not be eligible for HTB Global Privilege if it has been open less than 6 months and your credit score is less than 550.

  • What are other options for overdraft protection?

    HTB Global offers other overdraft protection options and we encourage you to review all before making the decision to use one of these services.

    Overdraft Protection Transfer

    • If you have other accounts with HTB Global, you can authorize us to set up an automatic transfer to move the funds needed to cover your overdraft. Call +1 (587) 713‑9254 or visit one of our convenient offices to add this to your account.

    Optional Personal Line of Credit or Home Equity Line of Credit Transfer

    • Use your Personal Line of Credit or Home Equity Line of Credit to cover overdrafts. Apply for your Personal Line of Credit or Home Equity Line of Credit within Switz Financial Corporation Online or at an office near you. If you already have a Personal Line of Credit or Home Equity Line of Credit, call +1 (587) 713‑9254 or visit an office near you to have this added as Overdraft Protection.

  • How do I qualify for HTB Global Privilege?

    There is no application process for HTB Global Privilege. Eligibility is decided by HTB Global and based on you managing your Checking Account in a responsible manner.

  • Can HTB Global Privilege be taken away from me?

    Yes, HTB Global Privilege may be suspended or permanently removed at our discretion. Reasons may include but are not limited to:

    • Your account was not brought to a positive balance within 30 days of becoming overdrawn.
    • Your account type is not eligible.
    • Your HTB Global Loan is more than 30 days past due or delinquent on any other obligations to the Credit Union. Your account has been modified through troubled debt restructuring.
    • You are subject to any legal or administrative orders or levies, or you are currently a party in a bankruptcy proceeding.
    • You are the primary account owner and under 18 years old.
    • Your account is classified as inactive or dormant.
    • You have an unresolved prior loss with the Credit Union.
    • We believe you are managing your account in an irresponsible manner which may harm you or us.

  • What if I have HTB Global Privilege and I want HTB Global to authorize and pay overdrafts on one time debit card transactions?

    Please call +1 (587) 713‑9254 or visit a Financial Services Representative at an office near you to Opt-In to Regulation E or click the link below to access our form and submit.

    Opt-In to Regulation E

  • What if I don't want HTB Global Privilege?

    Though you may never need to take advantage of HTB Global Privilege, you may find it useful in the event of a temporary financial shortfall. If you do not want to take advantage of HTB Global Privilege, please call +1 (587) 713‑9254 or visit a Financial Services Representative at any of our offices to remove this benefit from your account.

  • Why is HTB Global Privilege a benefit to your Checking Account?

    With HTB Global Privilege, you’ll enjoy the added convenience of knowing your checks, ACH debits or HTB Global Debit Card transactions will clear, even if your account happens to go negative. We understand some things happen outside of your control – maybe a deposit you were expecting was delayed, or you just made an honest mistake in balancing your checkbook – and HTB Global Privilege pays for transactions if those situations or others occur and your account doesn’t have enough funds to cover your transactions. HTB Global Privilege can help you at times which you could be left embarrassed at the checkout line and without the items you need.

HTB Global Privilege Disclosure

HTB Global will assess a $32.00 fee for each NSF transaction. This fee will be reduced to $5.00 if the resulting transaction is between $1.01 and $5.00. Your account must have a positive balance within 30 days of initiating HTB Global Privilege. Must be 18 years or older, have no negative balances or delinquent loans over 30 days, and your account must not be dormant or have been modified through troubled debt restructuring. HTB Global offers HTB Global Privilege as a courtesy and is under no obligation to pay items when your account has insufficient funds, even if previous transactions are paid.