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Overdraft Protection

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 have standard overdraft practices that come with your account. This notice explains our standard overdraft practices.  

*Insufficient Funds Fees (NSF Fees)

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

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

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to.

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, then your transaction will be declined.

What fees will I be charged if First National Bank pays my overdraft?

Under our standard overdraft practices:

What if I also want First National 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, then complete the ONLINE form below and click submit at the bottom.

Select your preference:

 

Required fields are marked with an asterisk.*

 

Thank you for providing your decision regarding Debit Card and ATM overdrafts. Please be aware that not all accounts qualify for standard overdraft service. If you qualify, your decision will become effective as soon as it is processed. If you indicated that you WANT us to provide standard overdraft service for your debit and ATM transactions then a written acknowledgment will be sent to you via U.S. Mail. Please contact us if the acknowledgment you receive does not reflect your decision. You have the right to revoke your decision at any time by contacting us at any branch of First National Bank. You may call us at 870-239-8521 or write us at First National Bank, P.O. Box 700, Paragould AR 72451.

Thank you for banking with FNB!

 

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