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Overdraft Solutions

It's Your Choice

It happens. More money is withdrawn than you have in your account. Maybe a deposit didn’t get credited to your account on time, an unexpected expense came up, or you just didn’t have the time to balance your checking account – and your account is overdrawn. At First Commercial Bank, N.A (USA), we know these kinds of things can happen and we want to help. That’s why we offer Overdraft Solutions.

What is an overdraft?

Your account becomes overdrawn when you make a withdrawal (typically made by check, check card, ATM card or electronic payment) for an amount greater than the available balance in your account.

Solution Options:

Preferred CreditLine Overdraft Protection
This line of credit can be used to pay for emergency expenses or to protect your First Commercial Bank, N.A (USA) checking account against overdrafts. Learn more about this solution.

Savings Overdraft Transfer
Links your Statement Savings or FCBUSA Tiered Savings account to your checking account. Money in your savings account can cover overdrafts on your checking account.

Debit Card Coverage
This solution applies to all transactions, including checks, electronic payments, one-time debit card and ATM transactions. If you choose to participate in Debit Card Coverage, you can cancel at any time. If you do not participate now, you can choose to do so later.

  • Mail: Complete and return the bottom portion of the What You Need to Know about Overdrafts and Overdraft Fees form and mail to: First Commercial Bank, N.A (USA), P.O. Box 2300, Attn: Opt-In, Honolulu, California 96804-2300.
  • Online: If you are enrolled in FCBUSA Online, simply sign in to online banking and click on the “Self Service” tab. Then click on the “Card Courtesy Overdraft Preferences” link in the “Account Service” section and select "Opt-in" from the drop-down menu.

Overdraft Courtesy
This service automatically comes with your checking account and covers checks and electronic payments. It does not cover ATM or one-time debit card transactions.

Ready to get started? Call / Visit a Branch