Overdraft (OD) Policy - $175.00


The purpose of this Overdraft (OD) Policy Template is to describe the overdraft approval process and related overdraft protection products and services of a bank, credit union, or other type of financial institution to provide a foundation of safe and sound credit decisions and adherence to all applicable laws, rules and regulations.

Table of Contents

Purpose and Contents – Topic 1
Policy Statement - Topic 2
Federal Reserve Daylight Credit Policies - Topic 3
Risk Management of Overdraft Protection Programs - Topic 4
Responsibilities and Approval Authority - Topic 5
Overdraft and Returned Item Fees and Notices - Topic 6
Audit Policy - Topic 7
Staff Training - Topic 8
Retention of Documentation - Topic 9

Includes the following form templates:
Overdraft Approval Form (1 page)
Overdraft Service Consent Form (1 Page)

Recent updates to this product:
09/05/17 Update
Federal Reserve Payment System Risk (PSR) Policy Statement
07/05/17 Update
Use of SSAE 18 reports
08/01/16 Update
Federal Reserve Payment System Risk (PSR) Policy Statement

This Overdraft Policy Template (approximately 38 pages) is available to purchase from BankPolicies.com in Microsoft® Word format for $175.00.

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