An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
This notice explains our standard overdraft practices.
We do authorize and pay overdrafts for the following types of transactions:
After August 15, 2010, we will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.
Under our standard overdraft practices:
If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (217) 335-2393, visit www.fnbbarry.com, or complete the form below and return to The First National Bank of Barry.
Our customer service representatives are standing by if you prefer to Opt in/out by phone.
Call: (217) 335-2393
If you prefer to Opt in/out by mail, please print this form and send it to:
The First National Bank of Barry
694 Bainbridge St.
Barry, Illinois 62312
Sometimes it's easier to talk about things in person. Please visit us and ask a new accounts representative to help you decide which plan is best for you.