Overdraft Services

Overdraft services can be crucial when it counts most — those times when emergencies or unexpected expenses come up right when your balance is lowest.

To use FBFC's overdraft services for one time debit card/ATM transactions, you will need to give First Bank Financial Centre permission to authorize your overdraft transaction and charge a fee for the service. This service does not guarantee we will permit you to overdraw your account without limits. However, without your permission, we will decline any transaction that exceeds your balance. How does our overdraft service work?

How does our overdraft service work?

In the event you make a debit card purchase that overdraws your account, or request an ATM withdrawal that exceeds your balance, discretionary overdraft services allow us to authorize the transaction to occur, creating a negative balance in your account. Your purchase may then be honored at the cash register or your cash dispensed by the ATM.

Your negative account balance reflects the amount of the overdraft plus our fees for the discretionary service. The next time you make a deposit, your deposited funds are first applied toward the negative balance created by honoring the transaction and fees. Keep in mind that daily fees may apply until you deposit adequate funds to bring your balance above zero.
This discretionary service does not guarantee we will permit you to overdraw your account without limits. However, without your permission, we will decline any debit card purchase or ATM withdrawal transaction that exceeds your balance.

If you want to continue receiving overdraft services for debit card purchases and ATM withdrawals while allowing us to charge a fee for this discretionary service, we need your permission. Otherwise, even in an emergency, your transactions may be declined. To authorize us to allow overdrafts and charge a fee on ATM and everyday debit card transactions, you must do one of the following:

  • Return your completed form, to your local FBFC branch 
  • Mail your completed form, to PO Box 1004, Oconomowoc, WI 53066
  • Call us at (888) 569-9909
What are other ways are there to have an overdraft paid?

You can link your savings account with us to your checking account, which will automatically transfer money into your checking account from savings in the event of an overdraft.

If you have questions or concerns about Overdraft Services please Contact Your Local Branch
or call (888) 569-9909 during normal banking hours.