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Overdrafts & Overdraft Protection Plans

 

First National Bank offers several options to choose from to protect your Checking Account in the event a transaction results in an overdrawn balance.  We also provide many tools, including online banking, mobile banking and account alerts, to help you manage your account.

The chart below summarizes the overdraft payment and protection programs that First National Bank offers to help you manage your account and avoid overdrafts. 

OVERDRAFT COURTESY OVERDRAFT COURTESY PLUS OVERDRAFT TRANSFER OVERDRAFT LINE

Standard OD Coverage
(comes standard with eligible accounts)
We strive to pay overdrafts for the following types of transactions at our discretion:

• Checks and other transactions made using your checking account number, such as checks that have been converted to an electronic transaction by the payee

• Automatic bill payments, including ACH withdrawals and recurring debit card transactions

Opt-In Debit Card Coverage

Without your consent, ATM and
everyday debit card transactions will not be authorized into overdraft.*

With consent, we may authorize
and pay overdrafts for the following types of transactions at our discretion:

• ATM Transactions

• Everyday debit card transactions

You may Opt-Out at any time.

Linked Account OD Transfer

Automatic transfers from available funds in your linked account to your checking account to cover each overdraft item.

Certain accounts may have withdrawal limitations and these transfers are included in those limits.

If the money in your linked account does not cover all of your overdraft items, Overdraft Courtesy may provide backup.+

OD Line of Credit

A line of credit attached to your checking account can help protect you against overdrafts. The credit
line automatically advances funds to your checking account to cover checks or other items you have authorized, up to the amount of the credit line approved.

If the money in your Line of Credit does not cover all of your overdraft items, Overdraft Courtesy may provide backup.+

Credit approval required.

BENEFITS
Overdraft Courtesy is a
privilege that FNB may
provide at its own discretion.
You do not have to sign up
and there is no fee unless you
use the service.**

BENEFITS
Choosing Overdraft Courtesy Plus
is a smart decision. Overdraft Courtesy Plus provides a safety net to prevent your ATM and everyday debit card transactions from being declined when there are insufficient funds in your account to cover the transaction.  And there is no fee unless you use the service.**

BENEFITS
Overdraft Transfer and Overdraft Line can cover your transaction before your account becomes overdrawn using money from your own linked account or from a line of credit. These options cost less than Overdraft  Fees charged when we cover an overdraft on your behalf.**

BENEFITS
Overdraft Transfer and Overdraft
Line can cover your transaction before your account becomes overdrawn using money from your own linked account or from a line of credit. These options cost less than Overdraft  Fees charged when we cover an overdraft on your behalf.**

OVERDRAFT COURTESY FEE

$30 Overdraft / NSF Fee
per paid or returned item

OVERDRAFT COURTESY PLUS FEE

$30 Overdraft  Fee
per paid item

*No Fee - Overdraft transactions
will be declined

 

OVERDRAFT TRANSFER FEE

$10 Fee Per Transfer
(once daily)


+Any item that can not be covered by the available  linked account  balance will be subject to Standard Overdraft  Fees

OVERDRAFT LINE FEE

$3 Monthly Fee
or $30 Annual Fee
Interest on outstanding balances


+Any item that can not be covered by the available Line of Credit balance will be subject to Standard Overdraft Fees

**Overdrafts are paid at our discretion which means we do not guarantee that we will always authorize and pay any type of transaction.

We will limit to 10 the combined number of Overdraft / NSF Fees charged on any one business day, up to a total of $300. 

To apply for Overdraft Line or to link an account through Overdraft Transfer, please contact your local branch.

To Opt-In or Opt-Out of COURTESY OVERDRAFT PLUS

 

Internet & Mobile Banking
Account Alerts
FNB Overdraft Courtesy Services Customer Policy

First National Bank offers the ultimate in banking convenience with 24/7 access to your accounts!  You’ll be able to view your balances, pay bills, transfer funds, and verify transactions with one secure login.  And, once you've signed up for PC Express® Internet banking, you can download our mobile app and take your banking wherever you go!  It’s never been easier to stay on top of your finances and you’re going to love the added features of mobile text alerts and Popmoney® person to person payment services!  Banking at its best.

Click here to learn more!

Alerts are a great way to keep you informed when certain events happen on your accounts, for example if your account falls below a specified amount we can notify you by text, email or simply alerting you the next time you log in to internet banking.  To add a new alert, just log in to internet banking and choose ALERTS from the top, right section of your screen.  Next, select the category and type of alert you'd like to receive.  If you would like the alerts to go to your mobile device, enter your phone number and select your carrier.  That's it!  Stay in control of your accounts with text alerts!

Want to learn more?

First National Bank Overdraft Courtesy Services Customer Policy

 

This discretionary service is offered to our customers who open or have an existing eligible checking account.

Overdraft Courtesy is a discretionary service. First National Bank is not obligated to pay any item presented for payment if your account does not contain sufficient available funds.  Approval of payment of reasonable overdrafts by First National Bank on consumer accounts in good standing (as described below) is only a courtesy, and not a right or an obligation.  Payment is within First National Bank’s sole and absolute discretion and can cease at any time without prior notice or reason or cause.

Under our policy we strive to pay your overdrafts when your account meets certain discretionary criteria.  The criteria may include, but is not limited to, any or all of the following and is subject to change without notice:

  • The age of your account.
  • The deposit behavior in your account and any related accounts.
  • The overdraft behavior of your account and any related accounts.
  • The status of any loan or other obligation to us.
  • The status of any legal or administrative order or levy.
Covered Transactions
  • Overdraft Courtesy covers checks, in person withdrawals and electronic transactions such as automatic payments, online bill pay and recurring debit card purchases i.e. monthly utilities. 
  • Overdraft Courtesy is automatically applied to your account unless you decline the service. 
  • See below on how to decline Overdraft Courtesy.
  • Overdraft Courtesy Plus covers ATM withdrawals and one-time debit card transactions used at point of sale.
  • For authorization and payment of overdrafts for ATM and one-time debit card transactions by Bank you must “Opt-In” for Overdraft Courtesy Plus. 
  • See below on how to Opt In or Opt Out of Overdraft Courtesy Plus.
Order of payment

The bank always posts deposits first.  It is the bank’s policy to post items that are clearing your account in the following order:

1.      Telephone transfers (smallest to largest dollar amounts)

2.      Loan Payments (smallest to largest dollar amounts)

3.      Wire Transfer withdrawals (smallest to largest dollar amounts)

4.      One-time Debit card charges (smallest to largest dollar amounts)

5.      ATM withdrawals (smallest to largest dollar amounts)

6.      ACH withdrawals   (smallest to largest dollar amounts)

7.      Recurring Debit card charges (smallest to largest dollar amounts)

8.      In Bank Transfer withdrawals (smallest to largest dollar amounts)

9.      Checks (smallest to largest check number)

The Bank reserves the right to change the payment order if the Bank suspects fraud or possible illegal activity affecting the account. Bank also reserves the right to post in any order, as permitted by law. 

Repayment of overdrafts

The total of the overdrawn balance, including any and all bank fees and charges, including all overdraft fee charges is due and payable upon demand. Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all such amounts, as described in the Deposit Account Agreement. The amount you are overdrawn plus your bank’s fees will be deducted immediately, in full, from your next deposit(s) – including from payroll deposits made by your employer, government benefit deposits, and other direct deposits on which you may depend.

Closing of account

If your account is not returned to a positive balance within 60 days of the date it first become overdrawn, your account will be closed and reported to national reporting agencies.

Fees

The Bank will charge you an overdraft fee of $30.00 each time the bank pays an item into overdraft.  The Bank also will charge an NSF fee for items not paid into overdraft. Your account may be assessed multiple overdraft charges up to a maximum of Ten (10) overdraft/NSF fees per day or $300.00 total per day.  Fees are subject to change. You will receive advance notice of any fee increase in accordance with state and federal law.

Declining Overdraft Courtesy

If you do not wish to be included in our Overdraft Courtesy and would prefer to have your overdraft items returned, please contact your local branch of First National Bank.  Please understand that an NSF fee of $30.00 will be assessed if your item is returned.

Opt In / Opt Out of Overdraft Courtesy Plus

You have a choice of whether you would like the Bank to strive to pay your one-time debit card transactions or ATM withdrawals.  To Opt In or Opt Out of this service you may do so by contacting your local branch, either by phone or in writing or on our website at:  www.firstnationalbanks.com/co-sd/opt-in-form.aspx
If you Opt In, please understand that our standard fee of $30 will assessed on each overdraft item we authorize and pay. 

While the bank believes Overdraft Courtesy is a tremendous service in the unlikely event you have an overdraft, we are not encouraging you to overdraw your account.

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