Overdraft Protection

Overdraft Protection

F&M Bank wants you to know that we have got you covered. We have three convenient ways to protect your checking account in the event of an overdraft.

Overdraft Protection with:

  • Regulation E Opt-In
  • Personal Line of Credit
  • Linking Checking to Savings

Reg E Opt-In

Opt-in today for Overdraft Protection with Regulation E

When you choose this option, you allow F&M Bank & Trust Company to authorize and pay overdraft transactions involving ATM withdrawals or everyday debit card purchases.* Your choice to opt-in may be changed at any time by using the online Opt-In/Out form or by contacting your banking representative in person or by phone.

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*A $32.00 fee may be assessed, limited to five (5) per day, for paying overdrafts that result in an overdrawn balance of $3.00 or more. If your account is overdrawn for five (5) or more consecutive calendar days, we will charge an additional $15.00 beginning on the fifth calendar day and every fifth calendar thereafter that the account remains overdrawn. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay.


Apply today for a personal line of credit. In the event of an overdraft, the line of credit is simply linked to your existing checking account to cover those emergency purchases.

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Link Accounts

Link your existing checking account to a savings account to stay in the clear. Funds will simply be transferred to your checking from your savings account for a $10.00 per transfer fee.

Contact your personal banker today for details.