Tips for helping consumers manage their Pilgrim Bank accounts wisely to avoid overdraft situations and subsequent overdraft fees.

• Keep an eye on your account balance prior to writing a check or using your debit card. Prevention is your best medicine.
  • Review your transactions on an ongoing basis.
  • Use services, such as online banking, our bank provides to help you keep up-to-date with your balance.
  • Remember to record and deduct checks, automatic recurring payments and debit card transactions and to add any deposits that have not yet been posted to your account.
  • Do not use your debit card like you use your credit card. Your debit card is like an electronic check and the funds are automatically deducted from your account.
  
  
• Pilgrim Bank products include the following overdraft services: transfers or sweeps from a savings account or another checking account, and overdraft coverage.
  • Transfer or sweep arrangements allow customers to cover overdrafts using their own funds. Nominal set-up or transaction fees may apply.
  • Many times a bank will choose to pay an overdraft for a fee to avoid consumers having the inconvenience, embarrassment, fees and hassles from merchants, and other consequences of returned checks.
  • Talk to your Pilgrim banker about the best choice(s) for you.

If you have questions or need help determining the best way to manage your Pilgrim Bank accounts please call toll free, 877-303-3111, to visit with one of our knowledgeable bankers or call your local Pilgrim Bank. Weíre ready to help!

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