Overdraft Protection

Be Prepared

Federal Regulations will affect the way we pay overdrafts on ATM and debit transactions. To continue to have access to your overdraft protection, simply tell us "Yes" you'd like to opt-in.

There is no fee to opt-in to the protection. You will only incur a fee if we cover an overdraft for you. You only need to opt-in one time and you can opt-out at any time.

Whether you need it or not, it's nice to know you're protected.

Choose "Yes" to opt-in and continue to enjoy the same overdraft coverage you've had all along.

For questions or to discuss your options, see your banker for details!


Click here for First National Bank of Shiner Overdraft Policy.

Click here for the Overdraft Protection Revocation Form.