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Business Overdraft Services

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Managing the unexpected is part of running a business. We want you, and your business, to enjoy a banking relationship that gives you peace of mind. That's why First National Bank and Trust (FNBT) automatically provides Standard Overdraft Service with your business checking account. 

Standard Overdraft Service is Included 

Standard Overdraft Service automatically comes with your First National Bank and Trust business checking account. With Standard Overdraft Service for Business, your checks, automatic bill payments, ATM and everyday debit transactions, made using your checking account may be approved - at our discretion - if you don't have enough money in your checking account.

If your checking account is overdrawn, our standard business overdraft fee per item will apply. You may opt out of Overdraft Service for Business by calling 800.667.4401, sending us a secure message through your FNBT online banking account, or visiting your nearest FNBT location in Southern Wisconsin or Northern Illinois. 

If you request to Opt-Out of Overdraft Service for Business, the following will occur if there are not enough funds in your account:

  • For ATM withdrawals and everyday debit card purchases our standard practice is to decline the transaction and charge an NSF (non-sufficient fund) Returned Item fee.
  • Recurring debit card payments may be authorized when funds are available in your account, but cause an overdraft when they settle at a later date. Overdraft item fees will apply to these transactions.
  • For checks, online bill payments, or other electronic payments, we may return the item and charge a NSF (non-sufficient fund) Returned Item.

How to Avoid Business Overdrafts

Business Online Banking
Visit to enroll in business online banking. Once enrolled, check account balances, transfer funds, and setup account alerts.
Mobile Banking App
Download our business banking app from your iPhone, iPad, or Android on the App Store or Google Play by searching “FirstB2B” for your business. Sign in with your online banking Access ID and Password. View account activity, transfer funds, and deposit checks right from your phone or tablet.
CardValet App
Manage your FNBT debit cards with the touch of a button with our CardValet mobile app. Control debit card usage and spending on the go or setup alerts to be notified each time your card is used. Simply download the app from the App Store or Google Play by searching “CardValet”.

1Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we may not pay overdrafts if your account is not in good standing or you have too many overdrafts. Once your account becomes overdrawn, you are obligated to bring your account to a positive balance promptly.