What You Need To Know about Overdrafts and Overdraft Fees on Your Consumer AccountAn 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:
What are the standard overdraft practices that come with my account?We do authorize and pay overdrafts for the following types of transactions:
If we do not authorize and pay an overdraft, your transaction will be declined.
What fees will I be charged if First National pays my overdraft?Under our standard overdraft practices:
Opt In and Opt Out does not apply to checks or ACH items.
What if I want First National to authorize and pay overdrafts on my ATM and everyday debit card transactions?If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, complete the attached secure form.