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No more overdraft fees or other inconveniences

If you inadvertently overdraw your checking account, First American Bank offers several easy-to-access, low-cost ways to protect your checking account against overdrafts.

Deposit Account Overdraft Protection
Account Link
  • If you overdraw your checking account, funds will be automatically transferred from another First American Bank checking, savings or Money Market account to cover the shortfall.
  • Funds will be transferred in multiples of one dollar.
  • The fee for each transfer is only $10 per occurrence1.
Line of Credit Overdraft Protection
CheckCredit
  • A pre-approved line of credit that is available to you when you need it.
  • Write a check, use your debit card, make an ATM withdrawal, or perform any electronic transfer for an amount that is greater than your available balance.
  • Funds will be added to your checking account in multiples of $100, up to your available credit limit.
  • Pay back your credit line whenever you wish. Otherwise, a payment will be automatically deducted from your checking account on your statement date (5% of the balance or $50, whichever is higher).
  • Low annual fee of $35.
  • 19.9% Annual Percentage Rate (APR) on advanced funds
RediReserve
  • For those customers that may not qualify for CheckCredit, RediReserve is a pre-approved line of credit of $500.
  • Write a check, use your debit card, make an ATM withdrawal, or perform any electronic transfer for an amount that is greater than your available balance.
  • Funds will be added to your account for the exact dollar amount of the overdraft each night up to a maximum of $500.
  • You don't have to remember to make a payment - First American will pay off any balance plus interest and fees with your next deposit.
  • There is a nominal $5 monthly fee to keep the protection in place ($60 annually).
  • 21.9% APR on advanced funds.
Disclosures

RediReserve and CheckCredit are subject to credit approval.

1Additional fees may apply if you exceed 6 transfers from a Savings or Money Market Account in a statement cycle. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. We reserve the right to require you to pay an overdraft immediately or on demand. Under our standard overdraft practices: 1) We will charge you a fee of up to $39.50 each time we pay an overdraft, whether created by check, in-person withdrawal, ATM withdrawal, or other electronic means. If we do not pay an overdraft and return the item, we will charge the account a $39.50 fee per returned item. 2) If your account continues to be overdrawn, we will charge an additional fee of $5 per day starting 3 days after the account is first overdrawn. 3) The maximum number of fees assessed on paid overdraft items are limited to 6 per day, and 4) if you have chosen Overdraft Privilege, we will not charge an overdraft fee each time we pay an overdraft that overdraws your account by less than $10. Please view our Overdraft Privilege for information on opting in to overdrafts using your debit card.