What You Need to Know about ATM/Debit Card Overdraft Services

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:

  • We have standard overdrafts practices that come with your account.
  • We offer overdraft protection plans, such as Overdraft Protection, which may be less expensive than our standard practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

After August 15, 2010, we will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

  • ATM transactions
  • Everyday debit card transactions

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.

What fees will I be charged if The First National Bank of Barry pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee up to $15 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account.

What if I want The First National Bank of Barry to authorize and pay overdrafts on my ATM and everyday debit card transactions?

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.

Opt-In Form

Personal Information

  • OK Name is required
  • OK Email is required
  • Phone

    - -
    OK Phone is required
  • OK Account # is required

E-Signature

    I/We confirm that I/We have read and understand the following disclosure regarding my right to opt in or opt out of the financial institution paying my ATM or one time debit card transactions. I also agree to receive my confirmation of my opt in or opt out electronically.

    OK Yes, I/We Confirm is required
  • I/we understand that I have an ongoing right to change this consent at any time.

  • OK is required

Alternative Ways to Opt In/Out

  • By Phone

    Our customer service representatives are standing by if you prefer to Opt in/out by phone.

    Call: (217) 335-2393

  • By Mail

    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

  • In Person

    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.