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