First Century Bank Overdraft Privilege

Overdraft Protection Options:

• Savings transfer or link¹ – $5 fee per transfer
• Line of Credit^{1, 2} – Subject to fees + interest

¹Call us at (423) 626-7261, email us at info@fcbtn.com, or come by a branch to sign up or apply for these services; ²Subject to credit approval.

Overdraft Privilege

“With our busy lives, it’s easy to make mistakes such as forgetting to deposit a check, make a transfer, or deduct your last debit charge from your balance. A simple error or balance miscalculation can lead to an unexpected shortage of funds.”

First Century Bank may have the solution you’re looking for with our Overdraft Privilege program. Overdraft Privilege is not a line of credit. However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to your Overdraft Privilege. Please click here for more information about your overdraft coverage options.

First Century Bank will not pay overdrafts for ATM or everyday debit card transactions unless you have given your consent by extending coverage to the payment of these overdrafts. Please click here for more information about extending your Overdraft Privilege coverage.

*Accounts will be charged the standard Overdraft fee of $35 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $35 for items returned. On commercial accounts, if your account balance remains overdrawn for longer than 3 days, the account will be charged a daily overdraft fee of $10 for each of the consecutive calendar days the account remains overdrawn, beginning with day 3. An overdrawn balance must be repaid within 32 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of 24 hours, if you default on any loan or other obligation to First Century Bank or if your account is subject to any legal or administrative order or levy.