Overdraft Protection › First Community Bank

if your checking account loses its balance, we'll catch it.

Overdraft Protection services are designed to help prevent overdrafts triggered by all types of transactions. Once you've selected the coverage that is right for you, we'll watch your checking account balance, and if it gets too low, we'll automatically transfer funds, for a fee, from one of your other First Community Bank Accounts.

Overdraft Protection comes with options, too. We provide our eligible checking account customers with a standard overdraft service called Overdraft Privilege. We also offer one or more overdraft protection plans that may be less expensive than our standard overdraft services. To learn more, visit your local branch.

Overdraft Coverage Options

Service	Cost
Overdraft Protection: Links to another deposit account you have at First Community Bank	$5.00 fee per transfer
Overdraft Protection Line of Credit*	$5.00 fee per transfer + interest
Overdraft Privilege	$36.00 overdraft fee per item

Swipe horizontally and vertically to view the rest of the table.

standard vs. extended overdraft privilege

Transactions Covered with overdraft Privilege	Standard Coverage (No Action required)	Extended Coverage (your consent required)**
Checks
ACH Auto Debits
Recurring Debit Card Payments
Online Bill Pay Items
Telephone Banking
Teller-Window Transactions
ATM Withdrawals**
Everyday Debit Card Transactions**
		SIGN CONSENT FORM

You can discontinue Overdraft Privilege in its entirety by contacting us at (800) 971-4671.

*Subject to credit approval.

**If you choose Extended Coverage, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage. Business accounts automatically have Extended Coverage.