Overdraft Coverage Options
Avoid overdraft fees on your account
Take some of the work and worry out of managing your cash flow. Choose the overdraft protection coverage that works best to protect your accounts from costly and inconvenient overdraft fees.
Overdraft protection link to another deposit account
Upon request, you can ask for automatic transfers from any eligible savings or checking account be made to cover overdrafts. Your funds transfer automatically when you need them, free of charge. If your balance goes below a certain amount, funds are transferred automatically from the designated checking or savings account to the underfunded account automatically. To sign up for Overdraft Protection Linked to Another Deposit Account, contact us.
Protect your accounts from costly and inconvenient overdrafts. A First Reserve Line of Credit can be added to all qualified checking accounts. Contact us to apply.
Unexpected overdrafts occur from time to time.
Overdraft Coverage Cost
|Overdraft Protection Link to Another Deposit|
Account you have at First International Bank & Trust1
|$0 fee per transfer.|
|Overdraft Protection Line of Credit1,2||$0 fee per advance, subject to 21.00% APR on advances.|
|Overdraft Privilege||$30 Paid Overdraft Item Fee per item. Daily fee may apply.|
1Contact us at (800) 359-8092, or stop by a branch to sign up or apply for these services.
2Subject to credit approval.
Who is FIBT?
First International Bank & Trust (FIBT) is a full-service, family-owned, independent community bank serving a wide range of communities across North Dakota, South Dakota, Minnesota, and Arizona.