Overdraft Protection through your Savings Account
To help you avoid the cost of an overdraft charge, you can protect your account by using the funds in your savings or checking account. With Overdraft Protection, if your checking account falls short on cash, FNB will transfer funds from your designated savings account to cover the discrepancy as long as the required funds are available.
No interest charge
$10.00 per transfer fee
Savings/Checking account - must have required funds for transfers
Demand Deposit Loan
FNB's Demand Deposit Loan is a line of credit that you can attach to your personal checking account. Upon credit approval, it becomes your very own personal loan to use however you wish. You may write your own loan any time you need extra money for personal use or for an emergency. Whatever your need, FNB's Demand Deposit Loan provides the financial flexibility you are looking for.
Low automatic payments
Establish good history through timely payments
$5.00 per transfer fee. Each transfer is in increments of $50.00
Overdraft Interest Charge 18% Annual Percentage Rate Daily
Based upon credit approval
*An overdraft (non sufficient funds) balance on your checking account may result from the payment of checks, electronic funds transfers, withdrawal request, payments authorized by you, the return of unpaid items described by you, an allowed ATM withdrawal, or a debit card purchase and the imposition of bank service charges.
View Overdraft Privilege Program