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First Lockhart National Bank

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Phone: 512-398-3416 | Routing Number (ABA) 114903213

Overdraft Privilege Program

The Overdraft Privilege Program applies to a variety of transactions, including checks & other transactions made using your checking account number, automatic bill payments, ATM transactions & everyday debit card transactions; however, we will not include ATM and everyday debit card transactions within our Overdraft Privilege Program without first receiving your consent to do so.


  • Avoid high returned check charges from merchants
  • Increase your peace of mind
  • Avoid the embarrassment and inconvenience of denied purchases and dishonored checks
  • Limits up to $1500
  • No need to apply
  • Opt-In for ATM & everyday Debit Card Transactions
  • Subject to credit approval
  • No cost if service isn't used

Payment of your occasional and inadvertent overdrafts up to your assigned the overdraft limit of $800 to $1500 will normally be considered. These limits include our customary fee as further set forth. Our fees will be added to any outstanding overdrafts you may have and will be applied against your limit.

The account types that are eligible for the Overdraft Privilege Program are:

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More Information

The Overdraft Privilege Program is available for ATM Cash Withdrawals; Debit Card Purchases; Internet Banking and Bill Payment; Telephone Banking Transactions; and other electronic means.

We may approve certain transactions that overdraw your account. An overdraft fee of $32.50 may be charged for each transaction that overdraws your account. There is a limit of $97.50 on the total fees we can charge you for overdrawing your account per day.

The categories or types of transactions that may overdraw your account include payments, purchases, and transfers of funds.

Whether your overdrafts will be paid or not is at our sole discretion and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or if you have too many overdrafts. We reserve the right to require you to repay your overdrafts immediately or on demand.

Participation in the Overdraft Privilege Program is not mandatory. You may opt-out of the service any time by notifying one of our service representatives. Furthermore, you may revoke your affirmative consent to have ATM & everyday debit card transactions considered for payment under the Overdraft Privilege Program without removing other items from the service. Simply inform us of your preference.

As noted, we retain full discretion to decline to pay any item under the Overdraft Privilege Program. That means we can refuse to pay any overdraft for any reason. Even if we decide to pay an overdraft item, absent an agreement to the contrary, such payment does not create any duty to any future overdrafts. If we do not authorize and pay an overdraft, your transaction will be declined and we may assess NSF fees on your account in accordance with your account agreement and the fee schedule in effect at the time of overdraft.

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