Overdraft Protection

A helpful way to manage your accounts

When you've got bills to pay, sometimes you need a little flexibility. That's where First Citizens Overdraft Protection comes in. It's a safe and easy way to make sure you have the money you need to cover your expenses.

It's free to enroll: You only pay when you use the service.

It's simple to see: You can view overdraft transactions through First Citizens Digital Banking.


Avoiding Overdrafts

You have lots of ways to manage your accounts! First Citizens Digital Banking allows you to monitor account activity, transfer funds or deposit checks using your smartphone. You can also set up alerts to be notified about account activity or when your balance is below an amount you choose.

To get started, choose the level of coverage that fits your needs.

Compare overdraft protection options to see which one is right for you
  Basic Overdraft Protection1 Basic Overdraft Protection Plus Debit/ATM1 Savings Overdraft Protection Checkline Reserve2OPEN NOW opens in a new tabLearn More about checkline reserve
What's Covered? Checks, automatic bill payments, and recurring debit card purchases. Checks, automatic bill payments and recurring debit card purchases — plus, debit card purchases and ATM withdrawals.
How does it work? If there isn't enough money in your account to cover a transaction, we may, at our discretion, cover that transaction for you. This enhanced basic protection covers one-time debit card purchases and ATM withdrawals if you enroll. Links your checking and savings accounts, so any time your checking account has insufficient funds, money is automatically withdrawn from the linked savings account. Links your checking account to a line of credit you can access whenever your account has insufficient funds. Money is automatically transferred into your checking account at the end of the day.
What does it cost? $36 for overdrafts over $5 — for up to 4 transactions per day $12 daily transfer fee each day overdrafts occur3
How do I enroll? All eligible checking accounts come with basic protection. Enroll through Digital Banking or Download Authorization Form, P D F opens in a new window. Call 1.888.FC DIRECT or enroll through Digital Banking or at your local branch. Call 1.888.FC DIRECT or Open Now opens in a new tab