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Overdraft Options

We understand that you may need an occasional safety net to avoid an embarrassing moment at the store or for when that unexpected expense occurs. Our overdraft options can save you time, money and hassle.

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How do I get signed up for one of the Overdraft options?

  • Offered at time of account opening
  • Overdraft options can be added or removed to/from an account at anytime
  • Simply stop in to any branch and we'll help you get signed up

For Business Customers:

  • Only Overdraft Protection is available to business accounts from a Savings Account or a Line of Credit.

Overdraft Options

Covered Items

Overdraft Protection

Overdraft Privilege

Overdraft Coverage/

Reg. E Opt In

Check

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Checkmark

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ACH Payments

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Checkmark

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ATM & Debit Card Transactions

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Checkmark

Check, Debit Card and ACH Transactions overdrafts covered by a Savings Account or Line of Credit

Checkmark

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Fees

$10.00 per transfer from Savings Acct.;

no fee from Line of Credit

$34.00 per item

$34.00 per item

How long do you have to bring your account to a positive balance when using overdraft options?

You should bring your checking account to a positive balance as soon as possible. To keep your account in good standing you have 30 days to pay an overdraft and associated fees. However, depending on the situation, we can ask for repayment at any time. Any deposit made automatically or by you will first be applied to any overdrawn balance and associated fees.

 

When will the bank not pay an overdraft?

First National Bank is not obligated to pay any item presented for payment if your account does not contain sufficient collected funds. It is our standard practice, within our Overdraft Privilege Policy, to authorize and pay overdrafts for checks, automatic bill payments, and other debit transactions made using your account number, unless you opt out for overdraft coverage on these types of transactions. We do not authorize and pay overdrafts for ATM withdrawals or everyday debit card purchases, unless you consent (opt in) to overdraft coverage for these type of transactions. We may refuse to pay an overdraft for you at any time, even though your account is in good standing and even though we may have previously paid overdrafts for you.

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