* Certain restrictions, terms, and conditions apply. See your branch representative for details. ** The $0 Liability Guarantee covers fraudulent purchases and payments made by others using your First Bank debit card. To be covered, report purchases made by others promptly, and don’t share personal or account information with anyone. Consult customer and account agreements for full details. *** Terms and Conditions - First Bank's Overdraft Privilege represents a discretionary courtesy or privilege that may be provided to you from time to time and which may be withdrawn or withheld at any time without prior notice, reason or cause. You will be expected to bring your account to a positive balance as soon as possible or within 60 days after an item is paid through Overdraft Privilege. Contact us to ask about other overdraft coverage options that may be available to you.