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Overdraft Protection

Save time, money, and a little red on your face with First Citizens overdraft protection. Set up automatic transfers from an FCNB checking or savings account. Or keep your accounts intact with a Cash Reserve Loan. Either way, you'll avoid those non-sufficient fund fees and the extra time it takes to get things rectified.

Overdraft Protection Plan
  • Save money by avoiding non-sufficient fund fees
  • Link your savings, Money Market, or another checking account to your checking account for overdraft protection
  • Overdrafts are covered by transferring the amount of overdraft plus a $8.24 fee per business day
  • Limited by Federal Regulation to six authorized transfers per month from savings and Money Market
Cash Reserve Loan
  • Protects your checking account from overdrafts by an automatic cash advance transfer in increments of $100
  • Annual Percentage Rate (APR) is 18%
  • Interest is calculated daily on the unpaid balance
  • Monthly payments are the greater of $10 or 5% of the initial balance and are deducted from your checking account monthly
  • Requires credit application and approval