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Occasionally it happens - you forget to record a transaction or you miscalculate a balance. Overdraft Protection is designed to help you in times of need. First Bank offers the following Overdraft Protection options:
Overdraft Transfer uses funds from up to two separate checking, savings or money market accounts to fund your checking account if it becomes overdrawn.
Preferred Credit is a fixed-rate, unsecured revolving line of credit that is accessible through your checking account when the account is overdrawn. An automatic funds transfer occurs to protect your account should it become overdrawn.
Overdraft Privilege authorizes First Bank to pay certain transactions presented against an insufficient checking account balance. You must opt in if you would like First Bank to pay ATM withdrawals and everyday debit card transactions. There is a fee associated with this service.
First Bank's regular NSF fee ($35.00) applies to each paid check/debit transaction and is limited to a maximum of five per day which is the same fee that First Bank charges for items drawn against insufficient funds and returned to the payee. If your account is overdrawn $5.01 or more for 10 or more consecutive days, we may assess a one-time overdraft fee of $40.00.
If your account is overdrawn $5.01 or more for 10 or more consecutive business days, we may assess a one-time overdraft fee of $40.00. Insufficient fund charges are limited to a maximum of five per day.