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Overdraft Protection

We have your back when your balance drops below the threshold.

Automatic coverage for your checking accounts

With Overdraft Protection, utilize other FBT accounts to transfer funds into your checking account when the balance hits a threshold you choose.  

  • Covers transactions made by check, VISA® Debit Card, ACH and online banking bill pay
  • Coverage is provided as long as funds are available in your linked account
  • Overdraft transfers are $7 per item
  • Monitor your transfers carefully if linking to a Savings or Money Market account as these accounts have withdrawal limitations.  

 

With our Overdraft Privilege, you never have to worry about overdrawing your account when you make a purchase or payment. We'll make sure the difference is covered on the spot, saving you any inconvenience or embarrassment of a declined payment. This peace of mind comes automatically when you open your First Bank and Trust checking account. And if you don't want the coverage, you can opt out at any time.

  • Covers transactions made by check, VISA® Debit Card, ACH and online banking bill pay
  • Coverage is at our discretion, as long as your account is in good standing
  • Overdraft charges are $35 per item
  • Make every attempt to bring your account to a positive end-of-day balance within 30 days
  • We assess a continuous overdraft fee of $32 after an account has been overdrawn for five consecutive days

We want to make it as easy as possible for customers in Louisiana, Mississippi and Florida to avoid the hassle of an overdrawn account.

 

Learn more about how to avoid costly overdrafts on your account by reading the article "Things to Know About Overdraft Protection" in our Personal Education Center.