What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction,
but we pay it anyway. We can cover your overdrafts in two different ways:
     1.   We have standard overdraft practices that come with your account and are also
           incorporated into our OverdraftHonor™ program.
     2.   We also offer overdraft protection plans, such as a line of credit or link to a savings
           account, which may be less expensive than our standard overdraft practices. To learn
           more, ask us about these plans.
This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?
We do authorize and pay overdrafts for the following types of transactions:
     •  Checks and ACH transactions made using your checking account number
     •  Automatic bill payments
After August 15, 2010, we will not authorize and pay overdrafts for the following types of
transactions unless you ask us to (see below):
     •  ATM transactions
     •  Everyday debit card transaction.
We pay overdrafts at our discretion, which means we do not guarantee that we will always
authorize and pay any type of transaction.
If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if First National Bank pays my overdraft?
Under our standard overdraft practices:
     •  We will charge you a fee of up to $37 each time we pay an overdraft.
     •  Also, if your account is overdrawn for 3 or more consecutive business days, we will
        charge an additional $12 every third business day that your account is overdrawn.
     •  There is no limit on the total fees we can charge you for overdrawing your account.

What if I want First National Bank to authorize and pay overdrafts on ATM and
everyday debit card transactions?
If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions,
call 800-555-5455, stop by your local branch office or complete the form below and click Submit.

       
Choose one*:
I do not want First National Bank to authorize and pay overdrafts on my ATM and
everyday debit card transactions.
I want First National Bank to authorize and pay overdrafts on my ATM and everyday
debit card transactions.

Customer First Name*   
Customer Last Name*  
Account Number*  Where can I find my Account Number? Click here 
Phone Number 999-999-9999
Email Address*  
    * required fields