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 for your debit card transactions, 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 to enjoy Overdraft Protection for your debit card transactions also.

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.

Click here for to find out how to prevent and manage Overdraft Fees.