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Q | What is ODP or Overdraft Privilege?

A | An overdraft fee is charged when the account goes into the negative. Overdraft Privilege (ODP) will pay items in the event your checking account does not have sufficient funds. Overdraft Privilege is not an Overdraft Line Of Credit, which is a loan. With ODP, we will have the discretion to pay the overdraft if your account does not have money. Without ODP, Pearl Hawaii is not obligated to pay your checks, withdrawals, or debit card transactions. With Overdraft Privilege in place, you pay a fee only to Pearl Hawaii and avoid paying additional fees to your merchant and the merchant’s financial institution.

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