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Overdraft Prevention Products

FNB Overdraft Prevention Sweep

With an Overdraft Prevention Sweep, you use your own money to protect yourself from overdrafts. We will automatically transfer your money from your FNB savings account/deposit account to your checking account when you incur an overdraft. You avoid an overdraft and pay a low $5 transfer fee per day for each day when a transfer occurs. Transfers are made in increments of $100.

FNB Overdraft Reserve Line

Our Overdraft Reserve Line is a flexible way to protect your checking account from being overdrawn. No other type of loan gives you so many ways to get cash when you need it! You can conveniently access your OD Reserve Line by check, ATM withdrawal, or point-of-sale transaction.

An OD Reserve Line will cover an overdraft item in increments of $100 transfers up to your approved credit limit. There is no annual or monthly fee for the service. You avoid an overdraft and pay a low $10 transfer fee per day for each day when a transfer occurs. You only pay interest on the amount you advance.

An OD Reserve Line acts as a line of credit so when you pay off the balance, your credit limit is available again.