We understand that many customers appreciate the convenience, flexibility and peace of mind offered by having discretionary overdraft services in place in the event of a mistake or unavoidable gap while managing an account. Your overdrafts can be covered in two different ways:

  • Overdraft Protection Plans: Choose one of four overdraft coverage options: HELOC Overdraft Protection, Preferred Line of Credit, Savings Overdraft or a Handyline. Your Hancock Bank representative can help you decide which coverage option makes sense for your situation.


  • Overdraft Services*: Hancock Bank automatically provides standard overdraft services for eligible customers who do not have an Overdraft Protection plan in place. Standard overdraft services allows us to authorize and pay, at our discretion, checks, ACH items, recurring debits and bill payments when there is not enough money in your account and charge an overdraft fee. You may opt out of this service at your discretion. By doing so, these items will be automatically returned and you will be charged an NSF fee. You may also be charged a fee by the merchant to whom the item was intended to be paid. However, we must specifically obtain your consent to extend our overdraft services to your one time debit card purchases or ATM withdrawals. Without your consent, these transactions will generally be declined at the ATM or point of sale if you do not have enough money in your account to cover the transaction.

*Overdraft services are not available with every account.

Overdraft services can add to your peace of mind if you opt in now.

As our customer, you have a choice…
You can opt in or opt out of overdraft services for checks and ACH transactions, AND you can request that we extend this service to authorize and pay, at our discretion, your ATM and one time debit card transactions.

To opt in, meaning you request that we extend these services to authorize and pay, at our discretion, overdrafts,
just call 1-800-448-8812 or visit any branch.