If you've ever tried to make a purchase with your debit card only to have it declined, you know how it feels.
In the past, First Lockhart covered most of these transactions when you didn't have the funds. You now have to Opt In/Out
to have overdraft privileges on your everyday Debit Card purchases and ATM transactions.
What are overdraft privileges? They mean, for a fee, we'll pay for debit card purchases and ATM overdrafts when there's not enough money in your account to cover them. The fee can apply to each time you overdraw your account. For each overdraft we pay, we will charge the standard per item authorized overdraft charge set worth in our fee schedule, currently $32.50. If your account is overdrawn for six (6) or more consecutive business days, we will charge an additional $5.00 per day for 15 days. There is a limit of $195.00
on the total fees we can charge you for overdrawing your account per day. In addition, if your account is overdrawn for 2 or more consecutive business days, we charge an additional $5.00 per business day as long as your account remains overdrawn.
To have all your Overdraft Privileges or to revoke your Overdraft Privileges OPT IN/OUT