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Avoid Overdraft Fees

Overdraft Protection

Checking accounts offer safety and convenience for day-to-day money management. It's important to manage your account wisely to avoid costly fees. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

Security First Bank charges a $30 NSF Item Paid Fee each time we pay an overdraft created by check, debit card, automatic payment, or ATM withdrawal. The NSF Item Paid Fee will not apply to an item that overdraws your account by $25 or less.

Security First Bank also charges a $30 NSF Item Returned Fee for each debit item that is returned due to insufficient funds.

If a merchant or other payee resubmits (represents) the same debit or returned item for payment, it may be presented more than one time. An NSF Item Returned Fee may be charged each time the item is presented and returned due to insufficient funds.

You will not be charged more than three (3) NSF fees per business day, for a maximum of $90 per business day.

If your account remains overdrawn for 30 calendar days, a $35 Continuous Overdraft Fee may be charged. If your account continues to meet the conditions for the fee after that time, the $35 Continuous Overdraft Fee may be charged more than once.

These fees can often be avoided by managing your account so that you do not overdraw. We encourage you to take advantage of the tools and services available to help prevent overdrafts. If you have questions regarding overdrafts or your account, please visit or contact your local Security First Bank branch, call 877-747-3139, or send us a message using our Contact Us form.

Ways to manage your account:

  • Use Online Banking – View transactions, current balances, transfer funds, schedule recurring transfers, view check images, pay bills, set alerts and more.
  • Use our Mobile App – Access your accounts on the go. View current balances, pay bills, transfer funds, and make deposits. You must be enrolled in Online Banking to use Mobile Banking.
  • Call ExpressLine – Our free 24-hour phone banking service lets you check balances, transfer funds, and more. Call 1-800-326-1380. You’ll need your account number and your Telebank ID. If you need assistance with your Telebank ID, please contact your local branch.
  • Set up Account Alerts – Receive email or text notifications when specific activity occurs on your accounts, including Low Balance and Insufficient Funds (NFS) alerts.
  • Use our ATMs – Check your account balance or transfer funds at any Security First Bank ATM.

Other Options:

  • Automatic Transfer Service – To help prevent overdrafts or maintain a minimum balance, your local Security First Bank representative can set up automatic transfers from your savings account to your checking account whenever your balance falls below a designated amount.
  • First Line of Credit – Provides convenient overdraft protection by automatically advancing funds to your checking account when your balance falls below zero. First Line features a fixed annual percentage rate. Contact your local branch to apply.
  • Home Equity Line of Credit – A Home Equity Line of Credit can help cover unexpected expenses that may otherwise overdraw your checking account. Competitive rates and flexible terms make this a valuable option for many customers. Contact your local branch to apply.

Opting In or Out of Overdraft Services:

When you use your ATM or debit card for purchases or withdrawals, the bank may pay transactions that overdraw your account and charge an overdraft fee only if you have authorized us to do so. This authorization is referred to as opting in to overdraft services for everyday debit card and ATM transactions.

You may choose to opt out of this service at any time. If you have not opted into overdraft services for everyday debit card and ATM transactions and you attempt to make a purchase that would overdraw your account, the transaction may be declined. However, your account may still become overdrawn in certain circumstances due to transaction processing, including merchant pre-authorizations, delayed presentment, or other payment networking processing.

If you have previously opted in, you may revoke your authorization at any time. To opt out of overdraft services, please visit or contact your local Security First Bank branch or call 877-747-3139.