What You Need To Know about Overdrafts and Overdraft Fees

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 your overdrafts in two different ways:

1. We have standard overdraft practices that come with your account.
2. We also offer Overdraft Sweep plans, such as a link to another account, which may be less costly than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payments

We will not authorize and pay overdrafts for the following types of transactions without your consent.

• ATM transactions
• Everyday debit card transactions

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.

What fees will I be charged if FCNB Bank pays my overdraft?

 Under our standard overdraft practices:

• We will charge you a fee of up to $30 each time we pay an overdraft if your account is overdrawn more than $10
• We will not charge you a fee if your account is overdrawn by $10 or less on any given day
• There is no limit per day on the total fees we can charge you for overdrawing your account

What if I want FCNB Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, complete the secure form below, call (573) 466-4180, visit our website, send us a secure message at Contact Us or through digital banking, complete the Consent Form and present it at your FCNB Financial Center or mail it to: PO Box 159, Steelville, MO 65565-0159.

You can revoke your authorization for FCNB Bank to pay these overdrafts at any time by any of the above methods. Your revocation must include both your name and the last 4 digits of your account number so that we can properly identify your account.