How Much Money Can You Get From an Atm Overdraft at First Citizens Bank
Good If You...
- Want Protection Against an Adventitious Overdraft
- Wish to Avoid Merchant Bounced Cheque Fees or Declined Debit Transactions
- Would Rather Encompass a Transaction Than Be Declined
Features
- 3 Protection Options
- Opt-In for Coverage on All or Some Transaction Types
- Discretionary Services
Types of Services
Discretionary Overdraft Coverage1
- Built-In To Your Checking Account When You Opt-In
- Variable Amount of Coverage Based on Your Balance and Repayment History
- Opt-In to Comprehend ATM & Debit Bill of fare Transactions
- Overdraft Fees Apply to Each Overdraft Instance
Overdraft Account Transfer
- Link Your Checking Account to Some other Deposit Account
- Funds Automatically Transferred To Cover Overdraft
- Transfers Occur in Increments of $100
Overdraft Line of Credit
- Link Your Checking Account to a Line of Credit
- Funds Automatically Fatigued from Line To Cover Overdraft
- Draws in Increments of $100
- You Repay Main and Involvement Charges on the Line of Credit
How You Can Avoid Overdrawing Your Account
We do not encourage you lot to overdraw your account. Significant fees may accumulate if you are frequently overdrawn. These services are optional, meaning you may choose not to accept them, and discretionary, meaning we may revoke them if you are frequently overdrawn. Y'all can avoid overdrawing your account by utilizing i of these strategies:
- Closely monitor your account balance via Online, Mobile, Text or Phone Banking
- Setup a Balance Alert within Online Banking to notify you via e-mail or text bulletin if your residuum falls to a sure level
- Prepare ahead of fourth dimension if yous know you will have significant charges by completing a transfer to your checking account from a secondary deposit business relationship or line of credit.
- Be aware of our payment processing guild. If multiple transactions are presented in the same twenty-four hours, we procedure debit transaction, other electronic transactions and then checks.
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1 Discretionary Overdraft Protection is a special overdraft privilege provided on all non-student personal checking accounts in expert continuing unless the customer has elected to waive this service. An overdraft fee of $35 will be charged for each detail paid using this service. This fee will be deducted from the Overdraft Protection limit. Transactions that may exist covered under the Discretionary Overdraft Protection and cause a fee to be incurred include: overdrafts created by checks, in person withdrawals, ATM withdrawals, Debit Carte du jour transactions, telephone or Internet transactions or other electronic means. One time ATM and Debit Card transactions are not covered under Discretionary Overdraft Protection unless you specifically consent (opt-in) to have these transactions covered. Yous should brand every attempt to bring your account into a positive balance within 45 days. If afterwards a period of time, your account has not been brought into a positive balance, we will accept no choice but to shut your business relationship and have other steps to recover funds. Whether your overdrafts will exist paid is discretionary and we reserve the correct non to pay. For case, nosotros typically do not pay overdrafts if your business relationship is not in good standing, or you are not making regular deposits, or you have too many overdrafts. Some reasons for the return of an item include, but are not express to: we doubtable the particular to exist fraudulent or used to perpetrate fraud or other illegal action; your outstanding loans or other obligations with the states are in default, by due, or otherwise delinquent; we accept been notified that y'all have declared defalcation; the item is not endorsed properly; or your account has remained overdrawn for a flow of more than than 45 days. Nosotros do not encourage overdrawing your account. Pregnant FEES MAY Be INCURRED. Discretionary Overdraft Service Policy
Source: https://www.firstcnb.com/Personal/Products-Services/Other-Services/Overdraft-Services
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