Life is unpredictable. Maintain your flexibility with overdraft protection options.
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Select Overdraft Preferences
First National Bank Alaska may pay overdrafts on checks, ACH or recurring debit card transactions on a discretionary basis. You may also enroll with the bank for overdraft protection from your First National Bank Alaska Mastercard® or Savings account.
Additionally, First National Bank Alaska offers an overdraft service for your personal account that can help you avoid the embarrassment and frustration of having your ATM and everyday debit card transactions declined for insufficient funds. Everyday debit card transactions are one-time purchases from a merchant. This overdraft service does not apply to checks, ACH or recurring debit card transactions.
Your opt-in authorization is required for us to enroll you in this additional overdraft service. When you opt-in First National may pay your ATM and everyday debit card transactions that would otherwise be declined for insufficient funds, at our discretion, for a fee.
If you opt-in for this service, and your available balance is not enough to cover your ATM or everyday debit card transaction, we will charge a $33.00 fee for each overdraft transaction we pay, up to a maximum of five (5) fees per day. A fee is not assessed if the amount of the item is $5 or less or if payment of all items presented that day would result in an overdraft of $5 or less.
The purpose of this website is to assist you with making an informed decision regarding options available to you for ATM and everyday debit card transaction overdrafts and to provide you with a means to notify us of your choice.
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What works for me?
Personal finance is just that, personal.
Consider your unique experiences and circumstances when making this important decision. We encourage you to customize your overdraft preferences to fit your lifestyle.
Optional overdraft service to cover your ATM and everyday debit card transactions.
If you "opt-in" and we pay a charge arising from your use of your First National Debit Card (either an ATM or everyday debit card transaction) even though there are insufficient funds in your account, we will charge you a $33.00 fee in addition to the amount of the overdraft we paid, up to a maximum of five (5) fees per day.
A fee is not assessed if the amount of the item is $5 or less or if payment of all items presented that day would result in an overdraft of $5 or less.
Rest easy knowing that you have options, no matter what difficulties life throws your way.
