Who needs the hassle and embarrassment of a returned check, not to mention the expense of an overdraft fee and the inconvenience of denied ATM access. First American Bank offers two easy solutions to protect your checking account against overdrafts – Account Link and CheckCredit*.

Account Link

• Save yourself from costly overdrafts.
• If you overdraw your checking account, funds will be automatically transferred from another checking, savings or money market account to cover the amount of the overdraft.
• Funds will be transferred in multiples of $1.00.
• The fee for each transfer is only $10.00 per occurrence, significantly less expensive than an overdraft fee.

CheckCredit

CheckCredit is a pre-approved line of credit that is available to you when you need it.

• Just write a check, use your debit card or make an ATM withdrawal for an amount that is more than your balance.
• Funds will be added to your checking account in multiples of $100.
• Pay back your line of credit whenever you wish or a payment will be automatically deducted out of your checking account on your statement date.

*Subject to credit approval. $35 annual fee.