Protect Your Account

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Debit and ATM cards are a convenience it's hard to imagine living without. Using debit and ATM cards makes it easier than ever to make purchases and payments, but it also makes it easier to overdraw a checking account and incur fees associated with overdraft protection services. As a result federal lawmakers have created new rules governing overdraft protection programs.

You now have an option concerning whether you want to continue to have our overdraft service cover your ATM or one-time debit card transactions. Please take note that this opt-in rule applies only to ATM and everyday debit card transactions and does not pertain to overdraft protection services associated with written checks or recurring debit transactions, such as regularly scheduled bill payments.

Why opt in?

First National Bank's overdraft protection is designed with your protection and convenience in mind. The vast majority of our customers do not overdraw their accounts and incur fees, however life doesn't always go according to plan, and overdrafts do occur. Without overdraft protection, your ATM and one-time debit card transactions may be declined if you attempt to make a transaction without sufficient funds.

For existing accounts: If you opt-in nothing will change on your account, everything remains the same and you will continue to receive all of the same benefits of our Overdraft Protection services.

If you do not opt-in, beginning July 1, 2010, your ATM and one-time debit card transactions will NOT be protected under First National Bank's overdraft protection unless you opt-in.

How to Opt In?

Login to your internet banking account, click on Overdraft Protection and complete the online form to sign up for overdraft protection.

*Opt in overdraft requirement applies only to consumer accounts.