{"id":11,"date":"2020-08-31T14:17:32","date_gmt":"2020-08-31T14:17:32","guid":{"rendered":"https:\/\/www.firstamericanbanknm.com\/wph\/staging\/personal\/checking\/overdraft-protection"},"modified":"2026-08-25T16:45:20","modified_gmt":"2026-08-25T16:45:20","slug":"overdraft-services","status":"publish","type":"page","link":"https:\/\/www.firstamericanbanknm.com\/wph\/staging\/personal-home-loans\/personal-checking\/overdraft-services\/","title":{"rendered":"Overdraft Services"},"content":{"rendered":"<h2 class=\"wp-block-heading has-main-color-color has-text-color has-link-color wp-elements-2fee981c6f1bd28a236f90a1d4727d94\"><span style=\"color: #333333;\">Overdraft Services<\/span><\/h2>    <p><span style=\"color: #333333;\">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.<\/span><\/p>    <p><span style=\"color: #333333;\">The following checking accounts are eligible:<\/span><\/p>    <ul class=\"wp-block-list\"> <li><span style=\"color: #333333;\"><a style=\"color: #333333;\" href=\"https:\/\/www.firstamericanbanknm.com\/wph\/staging\/personal-home-loans\/personal-checking\/personal-checking\/\">First Choice Checking<\/a><\/span><\/li>    <li><span style=\"color: #333333;\"><a style=\"color: #333333;\" href=\"https:\/\/www.firstamericanbanknm.com\/wph\/staging\/personal-home-loans\/personal-checking\/personal-checking\/\">First Freedom Club<\/a><\/span><\/li>    <li><span style=\"color: #333333;\"><a style=\"color: #333333;\" href=\"https:\/\/www.firstamericanbanknm.com\/wph\/staging\/personal-home-loans\/personal-checking\/personal-checking\/\">First Rewards Checking<\/a><\/span><\/li>    <li><span style=\"color: #333333;\"><a style=\"color: #333333;\" href=\"https:\/\/www.firstamericanbanknm.com\/wph\/staging\/personal-home-loans\/personal-checking\/personal-checking\/\">First Start Student Checking<\/a><\/span><\/li>    <li><span style=\"color: #333333;\"><a style=\"color: #333333;\" href=\"https:\/\/www.firstamericanbanknm.com\/wph\/staging\/personal-home-loans\/personal-checking\/personal-checking\/\">First Vantage Checking<\/a><\/span><\/li>    <li><span style=\"color: #333333;\"><a style=\"color: #333333;\" href=\"https:\/\/www.firstamericanbanknm.com\/wph\/staging\/personal-home-loans\/personal-checking\/personal-checking\/\">Now Account<\/a><\/span><\/li> <\/ul>    <p><span style=\"color: #333333;\">Opt-In\/Opt-Out Methods for Overdraft Privilege Service and Regulation E:<\/span><\/p>    <ul class=\"wp-block-list\"> <li><span style=\"color: #333333;\">In Person: Visit your local banking center<\/span><\/li>    <li><span style=\"color: #333333;\">By Mail: First American Bank, PO Box AA | Artesia, NM 88211 | Attn: ODP Coordinator<\/span><\/li>    <li><span style=\"color: #333333;\">Electronically: Through online banking<\/span><\/li> <\/ul>    <h3 class=\"wp-block-heading\"><span style=\"color: #333333;\"><strong>Account Management Tools<\/strong><\/span><\/h3>    <p><span style=\"color: #333333;\">Our eBanking solutions provide options that may help you avoid overdrafts and better manage your First American Bank accounts.<\/span><\/p>    <h4 class=\"wp-block-heading\"><span style=\"color: #333333;\">Online Banking*<\/span><\/h4>    <p><span style=\"color: #333333;\">Oversee your finances online with 24\/\/7 access.<\/span><\/p>    <ul class=\"wp-block-list\"> <li><span style=\"color: #333333;\">Check balances, transactions and view spending<\/span><\/li>    <li><span style=\"color: #333333;\">Transfer funds between First American Bank accounts<\/span><\/li>    <li><span style=\"color: #333333;\">Verify checks and deposits<\/span><\/li> <\/ul>    <h4 class=\"wp-block-heading\"><span style=\"color: #333333;\">Personal Finance*<\/span><\/h4>    <p><span style=\"color: #333333;\">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.<\/span><\/p>    <ul class=\"wp-block-list\"> <li><span style=\"color: #333333;\">Manage and sync your finances \u2013 loans, credit cards, 401k \u2013 no matter where they\u2019re held<\/span><\/li>    <li><span style=\"color: #333333;\">Create a budget, see spending trends and categories<\/span><\/li>    <li><span style=\"color: #333333;\">Set alerts&nbsp;for updates about your account<\/span><\/li>    <li><span style=\"color: #333333;\">View net worth and understand your financial health<\/span><\/li>    <li><span style=\"color: #333333;\">Know exactly where your money goes with spending categories<\/span><\/li> <\/ul>    <h4 class=\"wp-block-heading\"><span style=\"color: #333333;\">Mobile Banking App*<\/span><\/h4>    <p><span style=\"color: #333333;\">Use your phone via our app to monitor your accounts. Available to personal online banking customers.<\/span><\/p>    <ul class=\"wp-block-list\"> <li><span style=\"color: #333333;\">Check account balances instantly<\/span><\/li>    <li><span style=\"color: #333333;\">Check posted and pending transactions<\/span><\/li>    <li><span style=\"color: #333333;\">Pay recurring bills<\/span><\/li> <\/ul>    <h4 class=\"wp-block-heading\"><span style=\"color: #333333;\">Online Banking Text Alerts*<\/span><\/h4>    <p><span style=\"color: #333333;\">Sign up to stay-on-top of your account activity in real time.<\/span><\/p>    <ul class=\"wp-block-list\"> <li><span style=\"color: #333333;\">Get low or high balance alert<\/span><\/li>    <li><span style=\"color: #333333;\">Receive large withdrawal or deposit alert<\/span><\/li>    <li><span style=\"color: #333333;\">Text commands such as last five transactions, transfer funds, and help<\/span><\/li> <\/ul>    <h4 class=\"wp-block-heading\"><span style=\"color: #333333;\">FIRST Line Banking*<\/span><\/h4>    <p><span style=\"color: #333333;\">Access information about your accounts, at any time, from any telephone by calling <a style=\"color: #333333;\" href=\"tel:8887468300\">888.746.8300<\/a>.<\/span><\/p>    <ul class=\"wp-block-list\"> <li><span style=\"color: #333333;\">Check account balances<\/span><\/li>    <li><span style=\"color: #333333;\">Verify cleared checks and deposits<\/span><\/li>    <li><span style=\"color: #333333;\">Transfer funds between First American Bank accounts<\/span><\/li> <\/ul>    <h4 class=\"wp-block-heading\"><span style=\"color: #333333;\">Account Management Tips<\/span><\/h4>    <p><span style=\"color: #333333;\">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:<\/span><\/p>    <ul class=\"wp-block-list\"> <li><span style=\"color: #333333;\">Keep your check register up-to-date<\/span><\/li>    <li><span style=\"color: #333333;\">Record ATM withdrawals and fees and debit card purchases<\/span><\/li>    <li><span style=\"color: #333333;\">Record automatic bill payments and recurring ACH debits<\/span><\/li>    <li><span style=\"color: #333333;\">Review your account statement each month<\/span><\/li>    <li><span style=\"color: #333333;\">Set up a savings plan<\/span><\/li>    <li><span style=\"color: #333333;\">Utilize direct deposit<\/span><\/li> <\/ul>    <div class=\"wp-block-ncr-blocks-button button button-align-none\"><a class=\"ncr-btn btn\" href=\"https:\/\/www.firstamericanbanknm.com\/wph\/staging\/contact-us\/\" target=\"_self\" rel=\"noopener noreferrer\">Contact Us<\/a><\/div>    <p>For more information on our Account Management Tips.<\/p>    <p><strong>For helpful information about managing your account, visit the following consumer information sites:<\/strong><\/p> <p><a href=\"https:\/\/www.fdic.gov\/consumers\/consumer\/moneysmart\/index.html\"><strong>FDIC Money Smart &#8211; A Financial Education Program<\/strong><\/a><br>Information on financial education curriculum designed to help individuals enhance their financial skills and create positive banking relationships.<\/p> <p><a href=\"https:\/\/www.consumerfinance.gov\/consumer-tools\/bank-accounts\/know-your-overdraft-options\/\"><strong>Consumer Financial Protection Bureau<\/strong><\/a><br>For insight on overdraft fees and how to avoid them.<\/p>    <p class=\"disclaimer\">*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.<\/p>    <p><\/p>    <div class=\"wp-block-ncr-blocks-image-credit imageCredit-wrapper band band-image-credits is-style-default\"><div class=\"band-cta\"><p class=\"output-field1\"><br\/><\/p><p class=\"output-field2\"><\/p><\/div><\/div>    <p><\/p>","protected":false},"excerpt":{"rendered":"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: Opt-In\/Opt-Out Methods for Overdraft Privilege Service and Regulation E: Account Management Tools Our eBanking solutions [&hellip;]","protected":false},"author":1,"featured_media":2097,"parent":8,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"template_back.php","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"class_list":["post-11","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Overdraft Services - First American Bank<\/title>\n<meta name=\"description\" content=\"We have overdraft services that may help you avoid and reduce overdraft fees, such as automatic transfers, mobile banking, text alerts and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/personal-home-loans\/personal-checking\/overdraft-services\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Overdraft Services - First American Bank\" \/>\n<meta property=\"og:description\" content=\"We have overdraft services that may help you avoid and reduce overdraft fees, such as automatic transfers, mobile banking, text alerts and more.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/personal-home-loans\/personal-checking\/overdraft-services\/\" \/>\n<meta property=\"og:site_name\" content=\"First American Bank\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-25T16:45:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/wp-content\/uploads\/2021\/01\/img-header-butterfly-1420x410-2.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1980\" \/>\n\t<meta property=\"og:image:height\" content=\"533\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/personal-home-loans\/personal-checking\/overdraft-services\/\",\"url\":\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/personal-home-loans\/personal-checking\/overdraft-services\/\",\"name\":\"Overdraft Services - First American Bank\",\"isPartOf\":{\"@id\":\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/personal-home-loans\/personal-checking\/overdraft-services\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/personal-home-loans\/personal-checking\/overdraft-services\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.firstamericanbanknm.com\/wph\/staging\/wp-content\/uploads\/2021\/01\/img-header-butterfly-1420x410-2.png\",\"datePublished\":\"2020-08-31T14:17:32+00:00\",\"dateModified\":\"2026-08-25T16:45:20+00:00\",\"description\":\"We have overdraft services that may help you avoid and reduce overdraft fees, such as automatic transfers, mobile banking, text alerts and more.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/personal-home-loans\/personal-checking\/overdraft-services\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/personal-home-loans\/personal-checking\/overdraft-services\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/personal-home-loans\/personal-checking\/overdraft-services\/#primaryimage\",\"url\":\"https:\/\/www.firstamericanbanknm.com\/wph\/staging\/wp-content\/uploads\/2021\/01\/img-header-butterfly-1420x410-2.png\",\"contentUrl\":\"https:\/\/www.firstamericanbanknm.com\/wph\/staging\/wp-content\/uploads\/2021\/01\/img-header-butterfly-1420x410-2.png\",\"width\":1980,\"height\":533,\"caption\":\"image of butterfly\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/personal-home-loans\/personal-checking\/overdraft-services\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.firstamericanbanknm.com\/wph\/staging\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Personal &#038; 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