Overdraft Protection

Flexible options to assistance you cover the unexpected

Free to Enroll

Pay only when yous use overdraft protection.

User-friendly

Hands track and review overdraft transactions in Digital Banking.

Flexible

Choose the right level of protection to come across your needs and layer your coverage.

Sometimes, overdrafts happen. That's why First Citizens offers a number of overdraft protection services to help y'all manage your finances. Understanding these options—and the convenience and flexibility they provide—will help y'all choose the right level of coverage for y'all.

In add-on, calculating your monthly expenses and beingness proactive with Digital Cyberbanking alerts can help you lot stay informed and avoid overdraft fees.

Premium Overdraft Protection

Savings

Link your savings account to your checking account for overdraft protection. If your checking account has insufficient funds, money is automatically transferred from your savings.

  • Covers your checks, automated beak payments, debit carte du jour purchases and ATM withdrawals
  • Transfers are rounded up to the nearest $100
  • Your checking account will be charged a $12 transfer fee each day an overdraft occursD

Explore Savings Accounts

Premium Overdraft Protection

Checkline Reserve

Apply for a revolving line of credit and access funds when you lot need them most—for any kind of expense—just by writing a check.D

  • Competitive involvement rates with big limits available for your specific needs
  • No annual fees, no collateral required and no prepayment penalties
  • Your checking account will exist charged a $12 transfer fee each solar day an overdraft occursD

Basic Plus Overdraft Protection

Debit and ATM

Enhance your basic overdraft protection and enroll to extend coverage to one-time debit card purchases and ATM withdrawals.

  • If there isn't plenty coin in your account to comprehend a transaction, we may embrace information technology at our discretion
  • Covers your checks, automated bill payments, debit card purchases and ATM withdrawals
  • Each time nosotros pay an overdraft over $five, your checking account volition be charged a $36 fee, upwards to our limit of iv charges per dayD

An overdraft occurs when money is withdrawn from a bank account that doesn't have plenty in its available balance to cover the transaction. If y'all have premium overdraft protection set up on your checking business relationship, such every bit linking it to savings or Checkline Reserve, funds from these services may be used to cover an overdraft. Additionally, overdrafts may be covered past our bones overdraft protection with ATM and debit card coverage.

Overdraft protection is an account management tool designed to assistance y'all cover a transaction when you don't have sufficient funds in your checking account. Eligible transactions may include checks, ATM withdrawals, debit card purchases, wires and electronic transfers. With overdraft protection, we'll cover a shortfall at our discretion so the transaction goes through successfully.

When we say bones overdraft coverage, we're referring to the default overdraft preferences set upwards when you lot opened your checking account. This excludes whatever added overdraft protection services such as savings or Checkline Reserve.

When yous open a checking account, you're automatically opted-in for checks, other transactions made using your checking business relationship number and automated beak payments. This means that nosotros may, at our discretion, authorize and pay overdrafts on these types of transactions. You can modify your overdraft preferences for these types of transactions at any time.

When you open up a checking account, you're also required to opt in or out of basic overdraft service with ATM and debit card coverage. This enhanced service adds coverage for ATM cash withdrawals and 1-time debit card transactions. Nosotros don't qualify or pay overdrafts for these types of transactions unless you opt in to this service. If we don't authorize or pay an overdraft, your transaction will exist declined. You lot tin can change your overdraft preferences for these types of transactions at any time.

If you don't enroll in whatsoever overdraft protection services, we won't exist able to authorize old debit card transactions or ATM cash withdrawals unless your account has sufficient funds to cover the corporeality. If your account doesn't have sufficient funds, these transactions will exist declined at the point of purchase.

Yes. Your decision to enroll in basic overdraft service with ATM and debit card coverage can be changed at whatsoever time. Keep in mind that whatsoever previous overdraft fees you lot've incurred will not be waived or reimbursed.

Yes. You lot tin opt in to basic overdraft protection and add together premium overdraft services similar savings and Checkline Reserve. In fact, layering your overdraft protection has a number of benefits. Non merely are y'all more protected confronting balance instability and the surprise of declined transactions, you as well prepare the order of priority for how your overdrafts are covered. For instance, you lot can prioritize your overdraft coverage to draw from savings beginning, and then Checkline Reserve. Regardless of how y'all prioritize your protection, your basic overdraft service with ATM and debit menu coverage will always be last.

Overdraft protection, including basic overdraft service with ATM and debit card coverage, is gear up on an account-by-account footing. This ways you make up one's mind how yous'd like overdrafts to be handled for each account that you have. If you want overdraft protection on more than i bank account, then you must enroll each one.

Overdraft Prevention

Preparing for the unexpected

Knowledge is power, peculiarly when it comes to your finances. Here are more tools and resource you lot tin can use to rails and manage your spending.

Account Alerts

Get text and e-mail alerts about transactions, deposits and low balances.

Digital Banking

Manage your accounts, transfer money and brand payments with online cyberbanking.

Mobile Banking

Download our secure mobile app for digital banking and check deposits on the go.

Direct Deposit

Savor same-day access to your funds with recurring automatic deposits.

Acquire more about overdraft prevention

Business relationship openings and credit are subject to banking company approving.

Transfer fees practice non apply to Prestige checking account clients.

Business relationship may also be subject to accrual of interest and a minimum monthly payment must be made if the line is used.

Offset Citizens Depository financial institution will charge you up to $36 each fourth dimension we pay an overdraft, upwards to our limit of iv (4) overdraft charges per concern 24-hour interval. Nosotros will not charge you for overdrafts caused by transactions of $five.00 or less. You are obligated to pay overdrafts immediately. We pay overdrafts at our discretion. If we do not choose to pay your overdraft, the transaction will be declined. Consumers are responsible for the repayment of overdrafts and have the option to decline this service. Overdraft protection is non available on the Together Carte. Please run across our Deposit Business relationship Agreement for additional details.

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