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First Express Overdraft Line

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Even when you plan ahead, checking overdrafts can happen. With a First Express Overdraft Line of Credit, you have an extra layer of financial security and convenient access to money when you need it. 

Extra Layer of Protection

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 account, 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. 
  • Credit lines beginning at $1,000*
  • Quick access to emergency cash when you need it
  • $35 annual fee - first year waived
  • Access your line by using checks or by transferring money** to your checking account via online banking

Looking for an overdraft line of credit in Southern Wisconsin or Northern Illinois? Apply online or stop by one of FNBT’s convenient locations in Beloit, Clinton, Darien, Delavan, Elkhorn, Janesville, Monroe, Walworth, and Williams Bay, WI and Rockton, Roscoe, and Winnebago, IL. 

*Interest rate is variable and tied to Prime. Interest rate is determined based on borrower's credit score and line amount. **$7 per transfer fee.