Strunk & Associates, L.P.

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We didn't hear much from our customers about the service to start but we had no closed accounts and people in general appreciated it. We didn't promote the service but we let our customers know it was available. We also made sure we had full program disclosure with our customers.

Kristi Daly has almost 10 years of experience supporting financial institutions across the country with both web based and client server applications. She has an extensive background in development operations, supporting the deployment and monitoring of cloud applications, and has been involved in hundreds of implementations, application upgrades and migrations. Kristi has a reputation for being thorough, prompt and providing exceptional customer service.

Whether your bank pays, or returns an insufficient funds check, an overdraft/NSF fee will be charged to the customer. The amount of the fee may vary, but let's assume $20.00 as an average amount. If the check is returned to the retailer, an additional $25.00 to $30.00 is normally charged. But the costs to your customer may not stop at this point.The retailer may send the previously returned check back to your bank under second presentment. If sufficient funds are still not present in your customer's account, you may be put in the position of charging yet another $20.00.

There are no additional papers for your customer to sign and no action is required on the part of your customer. Under the Strunk's Overdraft Privilege Program, it is already a part of your checking Deposit Account Agreement. The Overdraft Privilege service costs nothing unless your customer overdraws his/her account by writing a check, makes an ATM withdrawal, enacts a debit card purchase, or issues any other payment or withdrawal request (ACH, POS) for more than the funds on deposit in his/her account.

Strunk's discretionary Overdraft Privilege Service Program is offered as a depository fee-based service privilege that is earned and maintained through your customer's history of responsible account behavior. It is made available to your customers in addition to common overdraft protection loan products as a non-contractual courtesy to nearly all of your customers.

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