Overdraft Protection Services

We offer three convenient overdraft plans to give you extra coverage when you need it most.

First National does not encourage overdrafts. As always, we encourage you to manage your finances responsibly. We provide overdraft services to keep you from being declined due to an inadvertent lack of funds. Call or stop by and talk to a personal banker to determine which of our three plans may be right for you.

Transfer Plus

Funds are automatically transferred from your First National savings or checking account to cover overdrafts in your primary checking account. Balances of both accounts are combined to prevent overdrafts and ensure that one-time debit card and ATM transactions are approved at point of sale or time of withdrawal. There is a $10 fee for each transfer.


A flexible line of credit that is tied to your checking account, letting you borrow up to any approved amount whenever you need it. QuickDraw acts as automatic overdraft protection. QuickDraw advances are issued in multiples of $100. There is a $3 fee for each QuickDraw transfer. A QuickDraw line of credit is subject to credit approval.