Regulation E

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.  We can cover your overdraft in two different ways:

1. We have standard overdraft practices that come with your account.
2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices.  To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payments
• Recurring debit card transaction (example: monthly membership dues)

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay overdraft, your transaction will be declined.

What fees will be charged if CenterState Bank, N.A. pays my overdrafts?

Under our standard overdraft practices:

• We will charge you a fee up to $30 each time we pay an overdraft
• Also, if your account is overdrawn for 5 or more consecutive business days, we will charge an additional $5 per day.
• There is no limit on the total fees we can charge you for overdrawing your account.

What if I want CenterState Bank, N.A. to authorize and pay overdrafts on my ATM

and everyday debit card transations?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call

813-780-8122, visit your local neighborhood branch, or submit the form below.

You may revoke your consent at any time.

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