Debit Card Coverage

Most First State Bank checking accounts are enabled with Overdraft Privilege. This program helps customers with checking accounts to remain in good standing, avoid external fees, bounced check fees or late fees. It covers you when you need it and a service charge is assessed for the use of the program. Overdraft Privilege is automatically added to your account after 90 days if in good standing, with no application needed. It can be rescinded at any time at the bank’s discretion.

Overdraft Privilege does not automatically apply to ATM withdrawals or purchases at retailers, this is known as Debit Card Coverage. To enable Debit Card Coverage, you must opt in.

Simply complete the following three steps to request Debit Card Coverage:

Please correct the following problems, and try again:

First name is required
Last name is required
Email address is required
Last 4 digits of SSN required
Please select an option in Section 2 below.

1: Identify Yourself

Authorized Account Signer:

First Name *

Last Name *

Email Address*

Last 4 digits of SSN *

* Required Fields
If you wish to change your email address after enrollment, please contact us at 866-372-1275

2. Identify the account(s) for Debit Card Coverage (check one):

I agree to opt-in to Debit Card Coverage to cover my overdraft debit card transactions for all my applicable First State Bank checking accounts. I acknowledge that there will be a fee assessed for each transaction that is processed under the Debit Card Coverage program.

I agree to opt-in to Debit Card Coverage to cover my overdraft debit card transactions for the following applicable First State Bank checking accounts. I acknowledge that there will be a fee assessed for each transaction that is processed under the Debit Card Coverage program.

Enter the last 4 digits of each checking account you would like Debit Card Coverage for:

Checking Account #1

Checking Account #2

Checking Account #3

I wish to opt-out of Debit Card Coverage . Your debit card transaction(s) will be declined but you will not be assessed a fee from First State Bank.

If you have any questions or concerns, please contact us in writing, visit a local branch, or call us at 866-372-1275.