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Financial Resources

Debit Card Protection

Protect Your Account from Overdrafts

Unless you "opt-in", First U.S. will not be able to cover overdrafts on your ATM and everyday debit card transactions. To be covered by our standard overdraft practices, simply fill out this form.

The good news is that if you request to be covered and happen to overdraw your account, First U.S. will cover the amount due, preventing your transaction from being denied. And that means less worry for you.

Additional ways to protect yourself from costly overdrafts

First U.S. offers a variety of ways to protect you from the hassle, embarrassment and high costs of an occasional overdraft mistake. Start with low- or no-cost solutions like overdraft transfers and eAlert reminders. It will save you merchant charges and other costs associated with an overdraft transaction.

  1. Sign up for overdraft transfers — cover occasional mistakes with a transfer from your savings, money market or other accounts. Or ask us about transfers from a line of credit like an Anytimer, Home Equity Line of Credit, or First U.S. Visa Card.
  2. Sign up for Online Banking — 24-hour, real-time access to balances, transfers and a variety of transactions to help you stay on top of the funds in your account.
  3. Sign up for First U.S. eAlerts — receive email or text notices when your account hits a pre-selected balance, when a loan payment is due, and many more convenient notifications to help you keep track of your finances.
  4. Opt-in for overdraft coverage — make sure you're not denied at the grocery store or mechanic’s shop when you need the funds. As a final safety net, our overdraft coverage Courtesy Pay will kick in, even when there's not enough funds in your overdraft transfer accounts. But you must opt-in to continue this coverage.

Just stop by your branch for information or to set up your account protection today. Or give us a call at (800) 556-6768.

There may be a fee for overdraft transfers from another account.

ID Theft Protection

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Everyone deserves identity theft protection. Including you.

Identity theft affects millions of Americans each year. Victims of identity theft can face issues such as lost job opportunities, problems with securing a loan or harassment from debt collectors. You can get the experts on your side with an identity theft protection plan. Services include access to your credit report (or consumer credit disclosure), consultations, expert restoration and more. Let LegalShield help you worry less and live more.

Learn more about Identity Theft Protection from LegalShield's website

Annual Credit Report

Stay on top of your credit score and review your credit report for mistakes. You can get a free credit report every 12 months from each of the three main credit reporting agencies.