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:

We have standard overdraft practices that come with your account.
We also offer overdraft protection plans, such as a link to a savings account or a line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask 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:

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

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 National Bank pays my overdraft?

Under our standard overdraft practices:

We will charge you a fee of $27 each time we pay an overdraft.
We will limit the total fees per day we charge you for overdrawing your account to $135.

» What if I want First National 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, complete the form below and click "Submit" or call 1-618-357-9393.

If you authorize the bank to pay overdrafts for ATM and everyday debit card transactions, you may revoke it at any time by calling 1-618-357-9393 or by sending a written request to:

First National Bank, P.O. Box 208, Pinckneyville, IL 62274--0208

Consent Form for Overdraft Services for ATM & Everyday Debit Card Transactions

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*Name (First M. Last):
*Street:
*City, State Zip:	,
E-mail Address:
Include all personal Checking Accounts to which I have ownership. Include only the personal Checking Accounts listed below.
Account #:

I want First National Bank in Pinckneyville to authorize and pay overdrafts on my ATM and everyday debit card transactions.

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