If funds are available when an overdraft occurs, enough funds will be transferred from your savings to pay the overdraft and the fee incurred. Funds available include all collected funds over the par value of $25.00. A fee of $10.00 will be charged for each day a transfer is made, however if the overdraft option is never accessed, no fees will be paid. Funds transferred will be enough to bring the account balance to zero after the check is paid and the service charge is applied.