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 overdrafts in two different ways:
This notice explains our Occasional Overdraft Protection Service (OOPS).
We DO authorize and pay overdrafts for the following types of transactions:
We DO 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 (501) 676-3106, visit www.firststatebk.com, complete the form below and present it to your local branch, or mail it to: First State Bank, P.O. Box 320, Lonoke, AR 72086
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