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OOPS!™ - Occasional Overdraft Privilege Service
Have you ever......
- Made an honest mistake in your checkbook?
- Forgotten to record a deposit? A purchase?
Rather than automatically returning unpaid any Non-Sufficient Funds (NSF) items that you may have, we will consider, without obligation on our part, payment of your occasional and inadvertent NSF items.
Of course, we can't promise to pay every overdraft, not all accounts are eligible, and some restrictions do apply. See the Overdraft Privilege Policy.
Overdraft Privilege can mean...
- You may avoid the embarrassment and inconvenience of denied purchases and dishonored checks.
- Payment of your occasional and inadvertent overdrafts up to your assigned OOPS! limit of $500 or $700 will normally be considered.
Qualification Requirements......
- Your account has an initial deposit of $500 or more.
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You maintain your account in good standing, which includes at least:
- You are not in default on any loan obligation to First International Bank & Trust.
- Your account is not the subject of any legal or administrative order or levy.
We charge a $30 NSF Paid Item fee for each item that would create an overdraft on your account that is paid, and we charge a $30 NSF Returned Item fee for each item that would create an overdraft on your account that is returned. We also charge a $30 Continuous Negative Balance fee each 7th day the account is overdrawn. Charges will count toward the $500 or $700 limit and will increase the outstanding overdraft balance. A non-sufficient funds/overdraft/negative balance may result from the payment of checks, in-person withdrawals, ATM withdrawals, or other electronic funds transfers. The account must be returned to a positive balance immediately or as soon as possible and at least once every 30 days.
Stop in and visit with any of our customer service representatives today for more information on OOPS!
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