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 It can be rescinded at any time at the bank’s discretion.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:
OR
Enter the last 4 digits of each checking account you would like Debit Card Coverage for:
If you have any questions or concerns, please contact us in writing, visit a local branch, or call us at 866-372-1275.