Overdraft Advantage

At FCB Banks we understand how unpredictable life can be. Overdraft Advantage provides you peace of mind by authorizing FCB to pay overdraft checks, ACH items, and recurring debit card transactions up to $500. By paying overdraft items, you ensure emergency expenses are covered and avoid costly merchant return fees.

With Overdraft Advantage FCB Banks may authorize and pay up to $500 of the following transaction types:

  • Checks
  • Online Banking Bill Payments
  • ACH Items (Automatic payments using your account number)
  • Recurring Debit Card Purchases (Automatic payments using your debit card number)

"Opt In" to allow FCB Banks to authorize and pay these additional transaction types up to $500:

  • Stand Alone Debit Card Purchases (One time debit card purchases)
  • ATM Withdrawals

There is no fee for Overdraft Advantage. In the event that you do overdraw your account, you will be assessed FCB Banks' standard insufficient funds and overdrawn account fees.

Sign up today!

Click here to enroll online. Be sure to list all checking account numbers that you would like covered by Overdraft Advantage. Ready to "Opt In" as well? The ATM/Debit Card Opt-In Authorization form immediately follows the Overdraft Advantage Authorization form.

Prefer the personal touch? Drop by any FCB location to learn more about Overdraft Advantage. One of our New Accounts Representatives will be happy to help you through the enrollment process.

Please note: FCB Banks authorizes overdraft items at our discretion. This means, we cannot guarantee the authorization and payment of any type of transaction.

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