Overdraft Services

We have different types of overdraft services that may help you avoid and reduce overdraft fees, such as applying for a line-of-credit or setting up an automatic transfer service from another account.

The following checking accounts are eligible:

• First Choice Checking
• First Freedom Club
• First Rewards Checking
• First Start Student Checking
• First Vantage Checking
• Now Account

Opt-In/Opt-Out Methods for Overdraft Privilege Service and Regulation E:

• In Person: Visit your local banking center
• By Mail: First American Bank, PO Box AA | Artesia, NM 88211 | Attn: ODP Coordinator
• Electronically: Through online banking

Account Management Tools

Our eBanking solutions provide options that may help you avoid overdrafts and better manage your First American Bank accounts.

Online Banking*

Oversee your finances online with 24//7 access.

• Check balances, transactions and view spending
• Transfer funds between First American Bank accounts
• Verify checks and deposits

Personal Finance*

Go further by better understanding your financial health with your finances all in one convenient place. This powerful tool is easily accessible by clicking Personal Finance through your First American Bank mobile app or online banking.

• Manage and sync your finances – loans, credit cards, 401k – no matter where they’re held
• Create a budget, see spending trends and categories
• Set alerts for updates about your account
• View net worth and understand your financial health
• Know exactly where your money goes with spending categories

Mobile Banking App*

Use your phone via our app to monitor your accounts. Available to personal online banking customers.

• Check account balances instantly
• Check posted and pending transactions
• Pay recurring bills

Online Banking Text Alerts*

Sign up to stay-on-top of your account activity in real time.

• Get low or high balance alert
• Receive large withdrawal or deposit alert
• Text commands such as last five transactions, transfer funds, and help

FIRST Line Banking*

Access information about your accounts, at any time, from any telephone by calling 888.746.8300.

• Check account balances
• Verify cleared checks and deposits
• Transfer funds between First American Bank accounts

Account Management Tips

In addition to the tools that we provide to help you manage your account, there are also some best practices to help you avoid overdrawing your account:

• Keep your check register up-to-date
• Record ATM withdrawals and fees and debit card purchases
• Record automatic bill payments and recurring ACH debits
• Review your account statement each month
• Set up a savings plan
• Utilize direct deposit

For more information on our Account Management Tips.

For helpful information about managing your account, visit the following consumer information sites:

FDIC Money Smart – A Financial Education Program
Information on financial education curriculum designed to help individuals enhance their financial skills and create positive banking relationships.

Consumer Financial Protection Bureau
For insight on overdraft fees and how to avoid them.

*First American Bank does not charge a fee to use these services, but internet, data, and text message rates may apply; check with your provider for applicable charges. Check with a customer service representative for product terms and requirements.