It Feels Good To Be Covered

Understanding Overdrafts

First National Bank offers several options to choose from to protect your Checking Account in the event a transaction results in an overdrawn balance. We also provide many tools, including online banking, mobile banking and account alerts, to help you manage your account.

The chart below summarizes the overdraft payment and protection programs that First National Bank offers to help you manage your account and avoid overdrafts.

Overdraft Courtesy	Overdraft Courtesy Plus	Overdraft Transfer	Overdraft Line
Standard OD Coverage _{(comes standard with eligible accounts)} We strive to pay overdrafts for the following types of transactions at our discretion: • Checks and other transactions made using your checking account number, such as checks that have been converted to an electronic transaction by the payee • Automatic bill payments, including ACH withdrawals and recurring debit card transactions	Opt-In Debit Card Coverage Without your consent, ATM and everyday debit card transactions will not be authorized into overdraft.* With consent, we may authorize and pay overdrafts for the following types of transactions at our discretion: • ATM Transactions • Everyday debit card transactions * You may Opt-Out at any time.	OD coverage from a linked FNB Account Automatic transfers from available funds in your linked account to your checking account to cover each overdraft item. Certain accounts may have withdrawal limitations and these transfers are included in those limits. If the money in your linked account does not cover all of your overdraft items, Overdraft Courtesy may provide backup.+	OD Line of Credit A line of credit attached to your checking account can help protect you against overdrafts. The credit line automatically advances funds to your checking account to cover checks or other items you have authorized, up to the amount of the credit line approved. If the money in your Line of Credit does not cover all of your overdraft items, Overdraft Courtesy may provide backup.+ Credit approval required.
BENEFITS	BENEFITS	BENEFITS	BENEFITS
Overdraft Courtesy is a privilege that FNB may provide at its own discretion. You do not have to sign up and there is no fee unless you use the service.**	Choosing Overdraft Courtesy Plus is a smart decision. Overdraft Courtesy Plus provides a safety net to prevent your ATM and everyday debit card transactions from being declined when there are insufficient funds in your account to cover the transaction. And there is no fee unless you use the service.**	Overdraft Transfer and Overdraft Line can cover your transaction before your account becomes overdrawn using money from your own linked account or from a line of credit. These options cost less than Overdraft Fees charged when we cover an overdraft on your behalf.**	Overdraft Transfer and Overdraft Line can cover your transaction before your account becomes overdrawn using money from your own linked account or from a line of credit. These options cost less than Overdraft Fees charged when we cover an overdraft on your behalf.**
OVERDRAFT COURTESY FEE $32 Overdraft Item Fee/ NSF Return Fee per paid or returned item (this fee applies each time an item is presented)	OVERDRAFT COURTESY PLUS FEE $32 Overdraft Item Fee per paid item (this fee applies each time an item is presented) *No Fee - Overdraft transactions will be declined	OVERDRAFT TRANSFER FEE $10 Transfer Fee (once daily) +Any item that can not be covered by the available linked account balance will be subject to Standard Overdraft Item Fees/NSF Return Fees	OVERDRAFT LINE FEE $30 Annual Fee Interest on outstanding balances +Any item that can not be covered by the available Line of Credit balance will be subject to Standard Overdraft Item Fees/NSF Return Fees

To Opt-In or Opt-Out of COURTESY OVERDRAFT PLUS