We get it, life happens — but the good news is that you have options for those “oops” moments.
Overdraft Protection
Add an Extra Layer of Protection to Your Checking Account
Help cover transactions when your checking account doesn't have enough available funds.
With First Bank's Overdraft Protection service, you can link an eligible savings account or approved personal line of credit to your checking account. If there aren't enough available funds to cover a transaction, money may be automatically transferred from your linked account.
You can view and manage your Overdraft Protection accounts through Online Banking.
Benefits of Overdraft Protection
Automatic Transfers
Funds may be automatically transferred from your linked backup account when your checking account has insufficient available funds.
Manage Your Backup Accounts
View your linked backup accounts and manage eligible account connections through Online Banking.
Convenient Online Access
Review your Overdraft Protection settings without visiting a branch.
Help Cover Unexpected Shortfalls
A linked backup account may help cover eligible transactions when your checking balance is too low.
How to Get Started
- Sign in to First Bank Online Banking.
- Select Tools from the main menu.
- Choose Overdraft Protection.
- Locate the checking account you'd like to manage.
- Select the gear icon to view your Overdraft Protection settings.
- Review your current backup accounts and any available accounts you can add.
- Review the Overdraft Protection Transfer Disclosure and select I Agree.
- Select Save Changes to confirm your selections.
Available backup accounts depend on account eligibility.
Frequently Asked Questions
What is Overdraft Protection?
Overdraft Protection allows eligible funds to be automatically transferred from a linked savings account or approved personal line of credit when your checking account has insufficient available funds to cover a transaction.
How does Overdraft Protection work?
If an eligible transaction exceeds the available balance in your checking account, funds may be transferred from your linked backup account to help cover the shortfall.
Transfers are subject to available funds, account terms, applicable limits, and fees.
What accounts can I use for Overdraft Protection?
Eligible savings accounts and approved personal lines of credit may be available as backup accounts. Available options will appear in your Online Banking Overdraft Protection settings.
How do I see which accounts are linked?
Sign in to Online Banking, select Tools, then Overdraft Protection. You'll see your checking accounts and the number of backup accounts linked to each one.
Select the gear icon next to a checking account to view its linked backup accounts.
How do I add a backup account?
Under Tools > Overdraft Protection, select the gear icon next to your checking account. Review the Available Backup Accounts section and select an eligible account, if available.
Review the disclosure, accept the terms, and save your changes.
Why don't I see any available backup accounts?
Only eligible accounts are displayed. If no accounts are available, you may not have another account that qualifies for Overdraft Protection.
Contact First Bank for assistance.
Will Overdraft Protection prevent all overdrafts?
No. Overdraft Protection does not guarantee that every transaction will be covered. Transfers depend on factors such as available funds, account eligibility, and applicable terms.
Are there fees for Overdraft Protection?
Transfers may be subject to applicable fees and account terms. Review the Overdraft Protection Transfer Disclosure and your account agreements for details.
Can I change my backup account?
You can review and manage eligible backup accounts through the Overdraft Protection section of Online Banking. Available changes depend on your account eligibility.
Can I use Overdraft Protection through Mobile Banking?
Availability of account management features may vary. Sign in to Online Banking to review and manage your backup accounts.
Who can I contact for assistance?
If you have questions about Overdraft Protection, please contact First Bank at 800-478-6101 during normal business hours.