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Who hasn't made a math mistake in their checkbook? It's happened to all of us. Hopefully, it didn't overdraw your account and result in returned checks, fees or denied debit card or ATM transactions. First Citizens offers Overdraft Coverage Options to help you avoid the cost and inconvenience of being overdrawn.

Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from your linked account for a $5 fee per transfer.

Service Details Cost

Overdraft Protection

Accounts that can be linked for overdraft protection include Ready Money Lines of Credit*, Home Equity Lines of Credit* and many other First Citizens checking and savings accounts.

*Subject to credit approval.

We assess a $5 fee to sweep the

total amount you are overdrawn

at the end of the day.

Overdraft Freedom allows qualifying users to overdraw their account up to the $500 limit for a fee in order to pay a transaction.

Service Details Cost

Overdraft Freedom

If you qualify, First Citizens may pay overdrafts, up to $500 in total, to avoid returning checks. To qualify for Overdraft Freedom, a checking account must be open at least 90 days and you must make total deposits of $500 or more for two consecutive months. Customers who are currently late on existing FCCB loans will not be eligible until their loan is current. This is not an obligation by FCCB to pay any check but simply an effort on our part to provide good service. We reserve the right to remove a customer from this service without prior notification.

Our regular overdraft fee of $35 will be charged for each item that is presented over the collected balance.

If the account is continually overdrawn, on the 6th consecutive day of a negative balance, we will begin to charge $6/day until the account is no longer negative. The total fees you have paid for NSF items will be reflected on your monthly checking statement.

The New Start Repayment Program

Accounts that remain overdrawn for 30 days or more will be offered the New Start Repayment Program, which provides the ability to repay the overdrawn amount in six equal payments over a six-month period. You can continue using your checking account during this time; however, Overdraft Freedom services will be suspended until total repayment is made.