Your authorization is required for us to pay your First National Debit Card or ATM transactions that would otherwise be declined for insufficient funds.

If you decide to “opt-in”:

• You DO want us to try to cover your everyday debit card and ATM transactions even if you have insufficient funds in your account.
• There is no fee to “opt-in” to this service.
• If you “opt-in” and we pay a charge arising from your use of your First National Debit Card (either a routine transaction or at an ATM) 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, and we will charge a fee for each overdraft transaction we pay (even if they occur on the same day).
• Even though you “opt-in,” we are not obligated to pay any or every charge arising from use of your First National Debit Card if there are insufficient funds in your account from which to pay the charge.
• You may “opt-out” at any time in the future.

Please click Make Selection below to go to the next page where you can make the best choice for you.