Having a check returned due to insufficient funds can be a costly and embarrassing experience.  That’s why we provide Overdraft Privilege, Check Return Protection. 
Overdraft Privilege, Check Return Protection is a special privilege for First Bank & Trust Company's checking account customers. Overdraft Protection gives you an extra level of protection against unanticipated cash flow emergencies and account reconciliation errors. At First Bank & Trust, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly. The purpose of this privilege is to save you from the embarrassment, additional merchant fees or other problems that might result if a check is returned.  
What is Overdraft Privilege?  
Overdraft Privilege is an overdraft limit that is automatically assigned to your account. There is no action required on your part. You do not have to sign anything.  
How does Overdraft Privilege work?  
As long as you maintain your account in good standing (defined as making regular deposits and bringing your account to a positive balance at least once every 30 days), First Bank & Trust may honor up to the Overdraft Privilege limit on your account.  
What does my Overdraft Privilege service cost?  
There is no additional cost associated with this privilege unless you use it. However, you should keep in mind that you will be charged our NSF fee of $20 for each item paid under the limit. 
What is my Overdraft Privilege limit? If I have two checking accounts, can I get Overdraft Privilege service on both? 
Locate your account type, and make note of the corresponding limit. If you have multiple accounts for your household, you may have a limit on all eligible accounts. 
How do I know when I use the overdraft limit?  
What if I go beyond my Overdraft Privilege limit? You will receive an overdraft notice in the mail each time items are paid. Overdrafts above and beyond your established Overdraft Privilege limit may result in a check or checks being returned to the payee. The normal NSF fee will be charged per item and assessed to your account. So as not to exceed your limit if you use Overdraft Privilege, you should note that the amount of the overdraft plus our standard NSF fee of $20 for each item will be deducted from your overdraft limit. 
How quickly must I repay my Overdraft Privilege?  
You should make every attempt to bring your account to a positive balance within 30 days. If you are not able to do so, you will receive a letter from First Bank & Trust Company informing you of the situation and your options. If, after a period of time, your account has not been brought to a positive balance, we may suspend your Overdraft Privilege limit and take other steps to recover funds. 
How soon can I use my Overdraft Privilege?  
If you are a new active account holder, you may be able to use the Overdraft Privilege limit assigned to your account 30 days after the account is opened. What if I do not want to have Overdraft Privilege on my checking account? In the event you would like to have this service removed from your account, you may do so by calling 276-623 -2323 (X 221). However, once this service is removed, you should keep in mind that if an item is presented for payment and there are not sufficient funds in your account, the item may be returned to the payee and our standard NSF fee of $20 will be charged per item. © Ann Lee & Associates 
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