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Our customers can take advantage of our Overdraft Protection products. Overdraft protection allows us to transfer funds into your checking account when you write checks in excess of your available funds in your account. This helps avoid costly overdraft charges and can be set up for funds to be drawn from:
- Another First National Bank in Pratt checking or savings account
- Your FNB Master Charge® or VISA® credit card
- An Overdraft Protection Line of Credit through our Consumer Loan Department
• Overdraft Assurance Protection
This is our attempt to pay as many items against your account as we can. If you are handling your account in a responsible manner, we may consider at our discretion, paying items that overdraw your account. Our normal overdraft charges will apply, but will hopefully prevent the cost and inconvenience of returned checks.