Regulatory requirements of the Federal Reserve require us to discontinue or not offer overdraft protection for ATM and everyday debit card transactions unless you affirmatively agree, or “opt-in,” to overdraft protection for these transactions.

This means that unless you tell us you want us to continue to apply our standard overdraft services to your ATM and everyday debit card transactions, we may decline any transaction that overdraws your account. 

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 optional overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

What are the standard overdraft practices that come with my checking account?
We do authorize and pay overdrafts for the following types of transactions:
Checks and other transactions made using your checking account number
Automatic bill payments

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

What fees will be charged if First State pays my overdraft?
We will charge you a fee of up to $32 each time we pay an overdraft.
If the account is overdrawn for more than three (3) consecutive days, we charge a fee of $5.00 for each day your account is overdrawn.
The maximum number of non sufficient funds fees that we will assess within our standard overdraft protection is limited to four (4) per day.
You have the right to change your consent at any time.
Overdraft fees are subject to change at the discretion of management.

If you would like to opt-in and authorize First State to pay overdrafts on your ATM and everyday debit card transaction, please complete the consent form provided.
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