Overdraft Coverage Opt In
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Please apply Overdraft Coverage to my following checking account(s):
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I want FNBT.COM Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions. I understand that I retain the right to revoke my consent at any time.
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.

  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to a savings account, money market account, or a personal line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us 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:
    • 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 (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 FNBT.COM pays my overdraft?
    Under our standard overdraft practices:
    • We will charge you a fee of   $35.50  each time we pay an overdraft, with a limit of 6 charges per day.
  • What if I want FNBT.COM 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, complete the information above and click the button to opt in.