We get it—life happens. Unexpected expenses or timing missteps can sometimes leave your checking account overdrawn.
At First Community Bank, Overdraft Privilege may help pay overdrafts when unexpected expenses happen. Watch our Overdraft Overview video for more information about Overdraft Privilege.
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Under our standard overdraft practices:
- Included transactions:
- Checks and other transactions made using your checking account number.
- Automatic bill payments.
- We will charge you a fee of up to $36 each time we pay an overdraft.
- We will not charge you a fee if your account is overdrawn by $5 or less on any given day.
- The maximum amount of fees we will charge to your account, per day, for overdraft and return item fees will not exceed $216. (For consumer accounts only, does not apply to commercial accounts.)
Stay on top of your finances with free tools
Track your balance with Xpress by FCB Mobile Banking or with XpressBanker ATMs.
Set low balance alerts to notify you if your balance gets too low.
Consider Community Connect with no overdraft.
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Overdraft Protection
We also offer Overdraft Protection plans which may be less expensive than Overdraft Privilege. You can link a backup account or line of credit to help pay overdraft transactions that may occur. If your checking account doesn't have enough money, Overdraft Protection will use your backup account to cover the transactions. Call or visit us to learn more about Overdraft Protection plans.
If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, please complete our overdraft enrollment form.
FAQs about Overdrafts and Insufficient Funds fees.
Overdraft Privilege may be available on eligible accounts to approve overdrafts for checks, automatic bill payments, recurring debit card payments and other transactions made using your checking account number.
For consumer accounts, at your request, we may authorize and pay ATM and everyday debit card transactions using your overdraft limit.
If an overdraft is approved, you may be assessed our Paid Item fee of $36 for each item.
All overdrawn balances must be brought positive within 30 calendar days.
First Community Bank reserves the right to not pay overdrafts. Overdraft Privilege is a non-contractual, discretionary service and we are not obligated to pay any item presented for payment if your account does not contain sufficient funds.