Opt-In Disclosure

Extended Coverage Information

Federal regulations have required us to obtain your consent in order to provide you with extended coverage services on everyday debit and ATM transactions.

You must give us permission to cover ATM and everyday First Financial Bank debit card transactions in the event on an overdraft. If you don’t give us that consent by “opting-in” we will be forced to decline your card when you do not have enough money in your account to cover the transaction.

What Opting-In Means to You

If you opt-in, you are telling First Financial Bank that:

  1. You DO want us to try to cover your ATM and everyday First Financial Bank debit card transactions regardless of the funds that exist in your account.

  2. You are willing to incur the fees that we’ve outlined for this service. You’ll only incur the fees if we actually cover the overdraft for you. There’s no fee to opt-in to the protection.

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.

We can cover your overdrafts as follows:

We have standard overdraft practices that come with your account.

We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number

• Automatic bill payments

We will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

• ATM transactions

• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if First Financial Bank pays my overdraft?

Under our standard overdraft practices:

• We will charge you a fee of $28.50 each time we pay an overdraft.

  • We will charge no more than four (4) paid overdraft item fees per day.

• If an account is overdrawn by a total of $5 or less OR if the overdraft that is created is $5 or less after end-of-day processing, there will be no overdraft charge for the day.

What if I want First Financial Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, contact First Financial Bank or complete the form online.

Customer Service: 870-238-6162 • Website: www.fnbchoice.com • Mail: P.O. Box 238 Wynne, AR 72936



Other Options:

Overdraft Protection

An automatic transfer from a designated account to protect the account that has insufficient activity. Thereby, preventing an insufficient charge to the account. Fees apply.

Overdraft Privilege

A privilege granted to accountholders to automatically overdraft their checking account. The privilege is granted once eligibility requirements have been met. The limits granted include:

  • $500 for personal accounts

  • $1,000 for commercial accounts

The normal insufficient check charge will be assessed.

Frequently Asked Questions

What’s an everyday First Financial Bank debit card transaction?

“Everyday” debit card transactions are the day-to-day purchases you make with your First Financial Bank debit card at the grocery store, gas station, drug store, or wherever you shop. The new Federal Reserve rules do not apply to debit card transactions that have been set up to recur on a regularly scheduled basis.


What types of ATM transactions are affected?

The rules apply to withdrawals or transfers that are made from your personal checking account at any ATM. If you choose not to opt in, you will not be allowed to withdraw or transfer an amount that is greater than the funds available in your account at that time.


What happens if I don’t opt in?

If you choose not to opt in, everyday First Financial Bank debit card or ATM transactions must be declined if sufficient funds are not available. As a result, you may not be able to make necessary purchases or withdraw cash when needed.


What does it mean to be declined?

If you have chosen not to opt in and you attempt to make a purchase with your First Financial Bank debit card that is for more than the funds available, the merchant will not be able to accept your debit card as a form of payment and will decline the purchase.


Once I opt in, can I opt out at a later date?

Yes. You or any joint owner on the account may revoke this consent at any time. Just stop by a First Financial Bank office, use the online form, call us at 1-870-238-2361, or mail your request to

First Financial Bank

P.O. Box 129

Wynne, AR 72396

By opting in, am I signing up to pay overdraft fees?

We only charge a fee if you use the overdraft service. If you carefully track your transactions using your check register or online banking and keep sufficient funds in your account, then you won’t need to use the service at all. Any overdraft service on your account will be there just for your peace of mind.

If I opt in and keep money in my account, will you still charge me?

Absolutely not! If you always maintain sufficient funds in your account to cover all of your transactions, we will not charge you any overdraft fees

Does this change affect all forms of payment?

The Federal Reserve rules only affect every day First Financial Bank debit card and ATM transactions. All other items such as paper items, like checks, or recurring items will be handled in the same manner as they are now.