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Accidentally overdraw you're account? It can happen to the any of us! That's why we have versatile, simple options to help address your needs.
Explore our revolving line of credit designed to cover unexpected expenses when your account is overdrawn. It’s a smart way to avoid costly fees and keep your finances on track.
Overdraft Coverage¹ is a discretionary service that we add to consumer checking accounts to cover overdrafts when eligibility requirements are met. Overdraft Coverage and Overdraft Coverage with Cover My Card are not a line of credit. All qualified banking accounts have the option to be enrolled in the most basic protection for checks, ACH and recurring debit card transactions.
To receive full-coverage on your account, you can also decide to enroll in Overdraft Coverage with Cover My Card and CoreFirst will strive to pay ATM and non-recurring debit card transactions to ensure all of your transactions are covered. Learn more about Opting-In or Out.
When you opt-in for Overdraft Coverage with Cover My Card, CoreFirst can consider authorizing discretional payment on ATM & non-recurring Debit Card transactions when you have insufficient funds to cover the amount. Fees will be incurred each time we pay an overdraft transaction. Fees¹ will be charged only if we actually cover an overdraft and are detailed below. There is no fee to Opt-In your account. In order for us to consider these types of transactions as part of your Overdraft Coverage plan, you will need to Opt-In one of the following ways:
By opting-out of Overdraft Coverage with Cover My Card you DO NOT authorize CoreFirst Bank & Trust to cover your non-recurring debit card and ATM transactions when the balance is insufficient in your account. This will cause the transactions to be declined. If you would like to opt-out from this part of the Overdraft Coverage contact us:
1A fee of $29.00 will be charged for each overdraft - up to six (6) overdraft charges can be charged each business day, not to exceed $174.00. After the first 6 overdrafts in a business day, the bank will pay authorized debit card transactions and return checks which may carry an Insufficient Item fee of $29.00 per item, per presentment. We will not charge a fee if your account is overdrawn less than $5.00 on any given day. If you are over the age of 18, your account may have Overdraft Coverage. According to the law, consumers will need to agree to participate in (or "opt in" to) the Overdraft Coverage program for ATM transactions and one-time debit card purchases. All eligible customers are qualified for Overdraft Coverage for checks, ACH and recurring debit card transactions unless a specific opt-out request is made. This service does not constitute either a written agreement of an obligation or a prearranged agreement for CoreFirst Bank & Trust to pay your overdrafts and we may withdraw this coverage at any time. Payment of any overdrafts will continue to be at the discretion of CoreFirst Bank & Trust and payment of an overdraft does not obligate us or create an agreement or course of dealing on our part to allow overdrafts on any occasion. Please see your Deposit Account Agreement for additional detail.
Please review our Overdraft Q & A for more important details.
Account Link2 allows you to link your banking account to a savings, money market or secondary checking account. In the event your primary account becomes overdrawn3, funds can be transferred from the linked account to cover the amount.
2An $8.00 daily advance fee is assessed only when a transfer is made from Account Link.
3A fee of $29.00 will be charged for each overdraft - up to six (6) overdraft charges can be charged each business day, not to exceed $174.00. After the first 6 overdrafts in a business day, the bank will pay authorized debit card transactions and return checks which may carry an Insufficient Item fee of $29.00 per item, per presentment. We will not charge a fee if your account is overdrawn less than $5.00 on any given day. If you are over the age of 18, your account may have Overdraft Coverage. According to the law, consumers will need to agree to participate in (or "opt in" to) the Overdraft Coverage program for ATM transactions and one-time debit card purchases. All eligible customers are qualified for Overdraft Coverage for checks, ACH and recurring debit card transactions unless a specific opt-out request is made. This service does not constitute either a written agreement of an obligation or a prearranged agreement for CoreFirst Bank & Trust to pay your overdrafts and we may withdraw this coverage at any time. Payment of any overdrafts will continue to be at the discretion of CoreFirst Bank & Trust and payment of an overdraft does not obligate us or create an agreement or course of dealing on our part to allow overdrafts on any occasion. Please see your Deposit Account Agreement for additional detail.
Using the product listed above can help put an end to inadvertent overdraft and returned check fees. Please review our Overdraft Q & A for more important details.
Smart account management starts here. By following these helpful tips, you can avoid accidental overdrafts and keep your finances running smoothly.
Following these great account management tips can help put an end to inadvertent overdrafts: