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||Opt-In Debit Card Coverage||OD 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
With consent, we may authorize
|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.
|OD Line of Credit
A line of credit attached to your checking account can help protect you against overdrafts. The credit
|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.**
|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.**||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 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 Fee/
NSF Return Fee
per paid or returned item
|OVERDRAFT COURTESY PLUS FEE|
$30 Overdraft Fee
|OVERDRAFT TRANSFER FEE|
$10 Fee Per Transfer
+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
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.