Overdraft Protection

We are here to help you avoid an OOPS!

We understand that unexpected expenses can arise, and our overdraft services are designed to provide you with peace of mind and financial flexibility. Enjoy the convenience of having transactions covered, even if you have insufficent funds in your account.

We offer various overdraft protection options, including linking a savings account, a credit card, or a line of credit to your checking account.

OOPS! Occasional Overdraft Privilege Service

Rather than automatically returning unpaid all insufficient funds items that you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts up to your assigned OOPS! limit. Accountholders may qualify for this service if their account has been opened for at least thirty (30) days and account is in “good standing” by meeting the criteria below:
  • Deposits continue that are consistent with your past practices and at least $400 or more is deposited in your account within each thirty (30) day period
  • You are not in default on any loan obligation to us
  • Your account is not the subject of any legal or administrative order or levy, such as bankruptcy or tax lien

*We reserve the right to require you to pay your outstanding overdraft (negative) balance, including our fees, immediately or on demand

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Overdraft Protection Transfers

Using this service, you can easily link another Checking or Savings Account to transfer the funds necessary to cover the expense.  There is no minimum to transfer and only the exact amount is needed to move over.  Instead of a non-sufficient funds (NSF) fee, Overdraft Protection Transfers only charges $7 per transfer. 
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Stay in Control

Manage your finances effortlessly with our user-friendly online and mobile banking tools. 

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Simplify Transactions

Make payments and transfers seamlessly with our secure and efficient payment solutions.

Banking Made Easy

At First Federal Savings Bank, we offer customers accessible and flexible options for managing their finances. 

Your Security Matters

The security of your financial information is our top priority.  We are committed to providing a safe and secure banking environment for our customers. 

Expert Guidance Available

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Your Deposit Support team is available 8:00 am to 5:00 pm CST Monday through Friday (excluding bank holidays) to assist with any questions.

Please call (812) 492-8200 or contact us via email at depositoperations@fbei.net.