Overdraft Information

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, but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdraft practices that come with your account.

2. We also offer overdraft protection plans, such as a link to a savings account or to an overdraft line of credit, which may be less expensive than our standard overdraft practices.

To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

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

• Checks and Electronic Debits (ACH)

We do 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 Bank pays my overdraft?

Under our standard overdraft practices:

We will charge you a fee of [up to] $27 each time we pay an overdraft. [There is no limit on the daily fees we can charge you for overdrawing your account.]

What if I want First Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, you can choose from the following options:

Contact us at 1-863-983-8191 or click the "More Questions" button at the bottom of this page, Enter your name, phone number and e-mail address, in the comments put "I do want First Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions for account #___________"

What if I no longer want First Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you wat First Bank to Stop authorizing and paying overdrafts on your ATM and everyday debit card transactions, you can choose from the following options:

Contact us at 1-863-983-8191, or click the "More Questions" button at the bottom of this page, enter your name, phone number, and e-mail address, in the comments put "I do not want First Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions for account#_________"