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Overdraft Protection

Protect your account and prevent unexpected fees

Details

When life gets too busy to think about your checking account balance, First Citizens Overdraft Protection is there. This useful service keeps your checking account from being overdrawn by automatically transferring the funds you need, whenever your account dips below a predetermined minimum balance. Simply choose from the level of coverage that fits your financial needs.

Benefits of all Overdraft Protection plans include:

  • Free coverage (until you use the service)
  • View all overdraft transactions through Digital Banking
  • Automatic transfer of money from your designated linked account1

Comparison

Basic Overdraft Protection Savings Overdraft Protection Checkline Reserve
Coverage Checks, ACH and recurring debit card transactions.

ATM withdrawals and non-recurring debit card purchases1 are covered upon customer authorization
Automatic withdrawal of funds from a linked savings account whenever your checking account has insufficient funds Your checking account with check-writing privileges
Fees $36 per overdraft transaction over $5 — for up to 4 transactions/day $12 daily transfer fee each day overdrafts occur2 $12 daily transfer fee each day overdrafts occur2
Interest Rate Tiers N/A N/A Fixed-rate unsecured line of credit3

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1.888.FC DIRECT (1.888.323.4732)

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