Automatic Overdraft Privilege
- Pre-authorized overdraft limit of $500 for eligible accounts.
- Avoid returned check fees by merchants.
We offer a useful feature on some of our checking account products – Overdraft Privilege. With this feature we will pay your non-sufficient funds (NSF) checks and fees up to a pre-approved limit. You will be charged the normal per item $30 NSF handling fee. When faced with unexpected bills, your Overdraft Privilege is a convenient and dependable source of temporary cash.
Your Overdraft Privilege will be available for checks, in person withdrawals, ACH, Internet Banking, telephone banking and mobile banking transactions. Your Overdraft Privilege would also be available for your debit card transactions if you choose to opt-in to our Overdraft Services for Debit Card Transactions. The overdraft must be repaid within 30 days to remain in good standing to keep your Overdraft Privilege available. FNB will not pay an overdraft if the $500 privilege amount has been exceeded. This would include any NSF fees, if applicable.
If you would like to opt-in to the Overdraft Privilege and/or Overdraft Services, please contact a Customer Service Representative at 618-635-2234 to see if you qualify. Please view our Bank Overdraft Privilege Disclosure.