{"id":11,"date":"2020-08-31T14:17:32","date_gmt":"2020-08-31T14:17:32","guid":{"rendered":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/personal\/checking\/overdraft-protection"},"modified":"2024-10-29T18:38:42","modified_gmt":"2024-10-29T18:38:42","slug":"overdraft-services","status":"publish","type":"page","link":"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/personal-home-loans\/personal-checking\/overdraft-services\/","title":{"rendered":"Overdraft Services"},"content":{"rendered":"<h2>Overdraft Services<\/h2> <p>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.<\/p> <p>The following checking accounts are eligible:<\/p> <ul> <li><a href=\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/personal-home-loans\/personal-checking\/personal-checking\/\">First Choice Checking<\/a><\/li> <li><a href=\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/personal-home-loans\/personal-checking\/personal-checking\/\">First Freedom Club<\/a><\/li> <li><a href=\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/personal-home-loans\/personal-checking\/personal-checking\/\">First Rewards Checking<\/a><\/li> <li><a href=\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/personal-home-loans\/personal-checking\/personal-checking\/\">First Start Student Checking<\/a><\/li> <li><a href=\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/personal-home-loans\/personal-checking\/personal-checking\/\">First Vantage Checking<\/a><\/li> <li><a href=\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/personal-home-loans\/personal-checking\/personal-checking\/\">Now Account<\/a><\/li> <\/ul> <p>Opt-In\/Opt-Out Methods for Overdraft Privilege Service and Regulation E:<\/p> <ul> <li>In Person: Visit your local banking center<\/li> <li>By Mail: First American Bank, PO Box AA | Artesia, NM 88211 | Attn: ODP Coordinator<\/li> <li>Electronically: Through online banking<\/li> <\/ul> <h3>Account Management Tools<\/h3> <p>Our eBanking solutions provide options that may help you avoid overdrafts and better manage your First American Bank accounts.<\/p> <h3>Online Banking*<\/h3> <p>Oversee your finances online with 24\/\/7 access.<\/p> <ul> <li>Check balances, transactions and view spending<\/li> <li>Transfer funds between First American Bank accounts<\/li> <li>Verify checks and deposits<\/li> <\/ul> <h3>Money Management*<\/h3> <p>Better understand and manage your finances, all in one place.<\/p> <ul> <li>All of your financial information in one place &#8211; checking, savings, loans and credit cards<\/li> <li>Categorizes transactions so you can control spending<\/li> <li>Set email alerts to get timely account updates<\/li> <\/ul> <h3>Mobile Banking App*<\/h3> <p>Use your phone via our app to monitor your accounts. Available to personal online banking customers.<\/p> <ul> <li>Check account balances instantly<\/li> <li>Check posted and pending transactions<\/li> <li>Pay recurring bills<\/li> <\/ul> <h3>Online Banking Text Alerts*<\/h3> <p>Sign up to stay-on-top of your account activity in real time.<\/p> <ul> <li>Get low or high balance alert<\/li> <li>Receive large withdrawal or deposit alert<\/li> <li>Text commands such as last five transactions, transfer funds, and help<\/li> <\/ul> <h3>FIRST Line Banking*<\/h3> <p>Access information about your accounts, at any time, from any telephone by calling <a href=\"tel:8887468300\">888.746.8300<\/a>.<\/p> <ul> <li>Check account balances<\/li> <li>Verify cleared checks and deposits<\/li> <li>Transfer funds between First American Bank accounts<\/li> <\/ul> <h3>Account Management Tips<\/h3> <p>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:<\/p> <ul> <li>Keep your check register up-to-date<\/li> <li>Record ATM withdrawals and fees and debit card purchases<\/li> <li>Record automatic bill payments and recurring ACH debits<\/li> <li>Review your account statement each month<\/li> <li>Set up a savings plan<\/li> <li>Utilize direct deposit<\/li> <\/ul>   <div class=\"wp-block-ncr-blocks-button button button-align-none\"><a class=\"ncr-btn btn\" href=\"https:\/\/www.firstamericanbanknm.com\/wph\/workarea\/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.fdic.gov\/consumers\/overdraft\/\"><strong>FDIC Consumer News Overdraft Programs<\/strong><\/a><br \/>Learn more about Overdraft Programs: Consider Your Lower Cost Alternatives.<\/p> <p><a href=\"https:\/\/www.consumerfinance.gov\/consumer-tools\/bank-accounts\/\"><strong>Consumer Financial Protection Bureau<\/strong><\/a><br \/>For insight on banking questions and more.<\/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. 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