Business

Disclosures

Overdraft Rules for Debit ATM Cards

• Overdraft occurs when you do not have enough money in your account to cover a transaction and the transaction is paid.
• When an Authorized/Approved ATM or Authorized/Approved Everyday Debit Card Transaction is processed and paid that causes your account to be overdrawn, there is a fee assessed.
• First Star Bank does not pay non-Authorized/Approved ATM or non-Authorized/Approved Everyday Debit Card Transactions.
• Under our Authorized/Approved ATM or Authorized/Approved Everyday Debit Card Transaction practice, there is a fee of $35 for each transaction paid that results in an overdraft of your account.
• Effective August 15, 2010, if you want First Star Bank to pay Authorized/Approved ATM or Authorized/Approved Everyday Debit Card Transactions that results in an overdraft to your account, please complete the authorization (OPT-IN) form and return it to any branch office.