Overdraft Protection

First PREMIER Bank

Overdraft Services

Ensure your account has sufficient funds to cover payments and purchases and avoid the embarrassment of declined transactions.

Overdraft Protection

Link your personal checking account to a Regular Savings, PREMIER Money Market or an eligible Line of Credit. A $12 Overdraft Protection Transfer Fee will be assessed every time the bank automatically transfers the available funds. This fee does not apply to Reward Checking customers or to any manual transfer, which is completed online, in person or by calling Customer Care. To add overdraft protection to your account, speak to a personal banker.

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Debit Mastercard® Overdraft Coverage

By choosing to add this service to an account, we may approve transactions, beyond your available balance for ATM and everyday Debit Mastercard transactions1. If this coverage is not added, we will decline all ATM and everyday Debit Mastercard transactions that do not have sufficient funds.

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Additional Tips to Avoid Overdrafts

  • Use direct deposit to ensure your paycheck is deposited faster
  • Keep a sufficient cushion to cover anticipated expenses
  • Forecast spending around automatic bill and loan payments
  • Monitor account activity with text and email alerts
  • Check your balance real-time via online and mobile banking



                   CALL US (800) 501-6535

 

FREE Online & Mobile Banking

First PREMIER Bank

Stay on Top of Your Accounts, Anywhere

  • Check balances, monitor spending and manage bills.  
  • Set up alerts and notifications via email and SMS
  • Deposit checks via mobile phone
  • Lock and unlock a lost or stolen debit card 
  • Plan your budget with spending analysis tools
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Disclosures

{1} We will charge you a fee of $34 each time we pay an overdraft on ATM and everyday debit card transactions. We will also charge a continuous overdraft fee of $5 per business day. There is no limit on the total fees we can charge you for overdrawing your account. Overdrafts are payable upon demand.