# Overdraft Services

## Manage Overdraft Services

We offer two overdraft services to help you manage your checking account. Both services are optional and can be added or removed at any time. If you are enrolled in both services, we will first use Overdraft Protection to cover your transactions. Optional overdraft services, such as Overdraft Protection and Debit Card Overdraft Services, are not available for Clear Access Banking accounts.
Overdraft Services Types

## Overdraft Services for Consumer Accounts

First National Bank Incorporated offers many services to help you manage your account and avoid overdrafts.
Overdraft Rewind
With this automatic feature for Consumer checking accounts, when the Bank receives your electronic direct deposit by 9:00 am local time, we will calculate a new account balance that includes the pending direct deposit (less any pending debits). If this newly calculated balance covers transactions that resulted in overdraft fees during the prior business day's nightly processing, we will waive or refund those fees. We may also reverse returned item (non-sufficient funds/NSF) decisions.

- Multiplying the daily ending balance on your Overdraft Line of Credit by the daily periodic rate.
- Daily periodic rate is calculated by dividing the current APR by 365 – or 366 in a leap year.
- At the end of the month, we’ll add all of the interest owed amounts for the days that you held a balance in your Overdraft Line of Credit.

Overdraft Protection
You can link up to two eligible accounts (one savings, one credit) to your checking account, and we will use available funds in the linked account(s) to authorize or pay your transactions if you don't have enough money in your checking account.
Debit Card Overdraft Service
You can choose whether your ATM and everyday (one-time) debit card transactions may be approved, at the Bank's discretion, if you don't have enough money in your checking account or in accounts linked for Overdraft Protection at the time of the transaction.
Online, Mobile and/or Text Banking Tools

- Monitor your account activity, transfer funds, and set up a low balance alert.
- See "Avoiding Overdrafts" below for details.
- Clear Access BankingSM accounts

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