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Overdraft Opt-In

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. We may choose to pay it anyway. We can cover your overdrafts in two different ways:

  1. We have a standard overdraft program that comes with your account based on eligibility.
  2. We also offer overdraft protection plans, such as a link to another account, which may be less expensive than our standard overdraft program.  To learn more, ask us about these plans.

This notice explains our standard overdraft program.

What is the standard overdraft program that comes with my account?

We may authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

On or 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 transactions

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 City Bank pays my overdraft?

  • We will charge a fee of $34 each time we pay the overdraft.
  • We will not charge you more than 4 Overdraft Paid Item fees in one business day on your account (Returned item fees may result in additional fees).

What if I want First City Bank 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, please click on the Opt-In link below.

Click here to Opt-In your accounts:   Opt-In

Click here to revoke prior Opt-In consent:   Revoke consent