Overdraft Protection

The best way to avoid overdrafts and fees is to keep track of your account balance by entering all checks,debit card purchases and ATM withdrawals in your check register,reconcile your checkbook regularly and manage your finances responsibly.At Farmers State Bank we offer several types of overdraft protection. Use one of these convenient services to save you the embarrassment and inconvience of an overdraft on your checking account.

  • Automatic Transfer from Savings to Checking
    We will automatically transfer from your savings account to your checking account in increments of $100. There is a $3.00 charge  for each transfer made.
  • Customer Personal Reserve Account
    This is a line of credit offered to qualified individual applicants that is tied to your checking account. It protects you from overdrafts by automatically transferring to your checking account whenever it is overdrawn up to the amount of your credit limit.
    For more information about our Overdraft Protection, Contact Us
  • Bounce Protection
    Bounce Protection is a discretionary overdraft service requiring no action on your part that provides you a safety net up to an automatically assigned overdraft limit. Your Bounce Protection limit may be available for checks and other transactions made using your checking account number or automatic bill payment and recurring debit card payment;and for business accounts only, ATM and everyday debit card transactions. For all other personal accounts,at your request,we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit.

    To opt in for ATM and everyday debit card transactions, click here.