Consumer Overdraft Services

Overdraft Service Options

Explore First National Bank and Trust’s overdraft service options in the chart below, then visit your nearest FNBT location, or call us at 800.667.4401 to discuss which coverage is right for you.
 

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	Details	Checks	Bill Payments and ACH items	Recurring Debit Card Transactions	ATM withdrawals and one-time debit card transactions	Cost
Standard Overdraft Service1	Most checking accounts come with standard overdraft service.	Yes	Yes	-Yes	No	You are only charged a fee if you use this service. View feeNo
Debit Card Overdraft Service1	When added to Standard Overdraft Service, everyday debit card and ATM transactions are covered. You must opt-in to take advantage of this service.	No	No	No	-Yes	You are only charged a fee if you use this service. View feeNo
Overdraft transfer from a deposit account		Yes	Yes	-Yes	-Yes	You are only charged a fee if you use this service. View feeNo
Overdraft transfer from a line of credit2		Yes	Yes	-Yes	-Yes	You are only charged a fee if you use this service. View fee No

Decline All Overdraft Setting

You can request a Decline All Overdraft Setting on your account. The Decline All Setting is automatically applied to Renew and Teen Checking accounts. With this setting, we only authorize an everyday debit card purchase, ATM withdrawal, check, online bill payment, and other electronic payments when we determine there is enough money available in your account at the time of the transaction. 

If you request a Decline All Overdraft Setting, the following will occur if there are not enough funds:

• For ATM withdrawals and everyday debit card purchases our standard practice is to decline the transaction and not charge an Overdraft 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. We will not charge a fee if it was authorized on available funds.
• For checks, online bill payments, or other electronic payments, we may return the item and charge a NSF (non-sufficient fund) Returned Item fee

You can change your Overdraft Setting by calling 800.667.4401, sending us a secure message through your FNBT online banking account, or visiting your nearest FNBT location. 

How to Avoid Consumer Overdrafts

You will not be charged an overdraft fee if you make a sufficient deposit or transfer funds to cover a negative balance before cutoff time on the same business day. 

Online Banking
Visit bankatfirstnational.com to enroll in online banking. Once enrolled, check account balances, transfer funds, and setup account alerts.
 
Mobile Banking App
Download our banking app from your iPhone, iPad, or Android on the App Store or Google Play by searching “First National Bank and Trust”. Sign in with your online banking Access ID and Password. View account activity, transfer funds, and deposit checks right from your phone or tablet.
 
Card Management
The card management feature within Online Banking and the Mobile Banking App can help you control your cards by giving you the ability to set Merchant, Spending and Transaction Controls.

First Express Overdraft Line of Credit
If your checking account balance becomes overdrawn, your First Express Overdraft Line of Credit automatically covers your debits, purchases, and checks up to your available credit limit. You can easily transfer money from your line directly into your checking account², anytime you need emergency cash. Enjoy convenient access to an extra layer of protection with First National Bank's First Express Overdraft Line of Credit.