Overdraft Services

One Size Does Not Fit All

First Nebraska Bank offers a wide variety of products and services designed to help you prevent overdrafts, as well as the inconvenience and possible merchant fees incurred as a result. Our overdraft protection options allow you to choose the products and services that are right for you when unanticipated expenses or unforeseen problems may leave you short of funds.

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Account Alerts

With online banking, you can set up account alerts via email or text message. By using account alerts, you may be able to take action to avoid overdrawing your account. Simply log in to our online banking and click on the My Alerts tab, choose DDA Alert and select from the following options: Check Cleared Alert, Daily Account Balance Alert, Low Checking Balance Alert or Pending Checking Transaction Alert.

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Sweep (Transfer) From Another Checking or Savings Account

You can set up a sweep from another First Nebraska Bank account to your checking account if it becomes overdrawn. Setting up and using a sweep transfer is free. This option works well for customers who maintain higher balances in other accounts, such as a savings account. Fees may apply on the related savings or money market account if the number of transactions exceeds withdrawal limits. See your account opening disclosures for more details.

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Overdraft Protection Loan

A revolving Overdraft Protection Loan will advance funds automatically to your checking account to help you avoid an overdraft and resulting overdraft/NSF fee of $32 per item. This Overdraft Protection Loan does have an annual fee of $30, regardless of the number of times you access it. Ask for more details about Overdraft Protection Loans at your local branch.

If you are approved for an Overdraft Protection Loan, you will be required to comply with the Overdraft Protection Loan Agreement, including its repayment terms and interest rate charged.

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Overdraft Privilege Program With ATM and Debit Card Coverage

This service has the same benefits as the Standard Overdraft Privilege Program, with the addition that we will also consider payment of ATM and everyday one-time debit card transactions. This may reduce the possibility of your ATM and one-time debit card transactions being refused. You must enroll or opt in to this service, and you will be charged an overdraft fee of $24 for each ATM or everyday one-time debit card item paid. A continuing overdraft fee of $32 will be assessed every seven calendar days that the account remains overdrawn.

You may opt out of all of the Overdraft Privilege Program or just the payment of your ATM or one-time debit card transactions at any time.

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Return All Items

With this option, we will attempt to return all items presented for payment from your account that would have overdrawn the account, and you will be charged a NSF fee of $32 per item. We will attempt to decline ATM and one-time debit card transactions, and you will not be charged an overdraft fee of $24 if your checking account becomes overdrawn unintentionally.

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