Having a check returned due to insufficient funds can be a costly experience. Overdrafts can be created on a checking account by: paper checks, personal withdrawals, ACH or other electronic means and will result in a NSF Returned Item fee of $35 per item returned or NSF Paid Item fee of $35 per item paid. With Our ACE Overdraft Protection, funds are transferred from a line of credit to your checking account to cover payment. You’ll have the peace of mind knowing you have an extra level of protection against account reconciliation errors and unanticipated cash flow emergencies. The ACE Overdraft Protection allows you to write checks for an amount over and above the amount in your checking account. You will be charged a small transfer fee to access your ACE account instead of creating an overdraft with an NSF Returned Item fee or NSF Paid Item fee.
FNB of Central Alabama does not encourage overdrawing your checking account. The ACE Overdraft Protection is a contractual courtesy available to personal checking accounts in good standing and is subject to approval.
Stop by any FNB of Central Alabama office to apply.