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What You Need To Know About Overdrafts And Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdraft practices (Courtesy Pay) that come with your account.
2. We also offer overdraft protection plans, such as a link to a savings account or line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number o Automatic bill payments We can no longer authorize and pay overdrafts for the following types of transactions unless you ask us to (by submitting this form, for example):
• ATM transactions o Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize to pay an overdraft for ATM and everyday debit card items, your transaction will be declined.

What fees will I be charged if First U.S. pays my overdraft?

Under our standard overdraft practices:

• We will charge you a fee up to $27 each time we pay an overdraft (or up to $29 with BTF Checking).
• We do not have a maximum.

Disclosure: You must click the disclosure link to activate the submit button in order to continue the application process. Our disclosure statement will open in a new window. Come back to this window to submit your application. Click here to view disclosure.

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