Overdraft Protection
Added protection when your account balance falls short
Unexpected expenses happen. Overdraft Protection Services can help cover certain transactions when you don't have enough available funds in your checking account, helping you avoid declined payments or returned checks.
Is Overdraft Protection Right for You?
Overdraft Protection may be a good option if you
- Want added flexibility when your account balance is temporarily low
- Prefer helping avoid returned checks or declined automatic payments
- Use your debit card regularly and want the option for additional coverage
Flexible Coverage. Greater Peace of Mind.
Choose the overdraft service that works best for your checking account
Standard Overdraft Protection
Most eligible checking accounts are automatically enrolled in Standard Overdraft Protection. This service may cover:
- Checks
- Automatic payments and recurring withdrawals
- Eligible overdraft transactions at the bank's discretion
Full Overdraft Protection
Customers may choose to enroll in Full Overdraft Protection for expanded coverage. In addition to Standard Overdraft Protection, this service may also cover:
- ATM withdrawals
- Everyday debit card purchases
Things to Know
- Overdraft Protection is provided at the bank's discretion and payment of overdrafts is not guaranteed
- Overdraft fees may apply when eligible overdraft transactions are paid
- Customers may choose to opt out of overdraft protection services
- Opting out may result in declined transactions, returned checks, or non-sufficient funds (NSF) fees when sufficient funds are unavailable
Why First National Bank?
We believe you should have options when unexpected expenses arise. Our bankers can explain how Overdraft Protection works, help you understand your choices, and answer questions so you can select the coverage that's right for you.
Learn More About Your Options
Whether you prefer Standard Overdraft Protection, Full Overdraft Protection, or no overdraft coverage, we're here to help you understand your options.
Standard Overdraft Protection is automatically provided to most eligible checking account customers. Full Overdraft Protection requires customer enrollment. Payment of overdrafts is discretionary and not guaranteed. Fees may apply when overdraft items are paid. Customers may opt out of overdraft protection services at any time.
