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Overdraft Privilege

Overdraft Privilege Limits
First Generation Select
First Generation Classic
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Personal Now
A+ Checking
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Personal Checking
Items that may cause an overdraft are items created by check, in-person withdrawal, ATM withdrawal, or other electronic means.

An Overdraft Privilege Service is available as a benefit of a good banking relationship with First National Bank in accordance with our Discretionary Overdraft Privilege Policy. Overdraft Privilege is not a line of credit. This means that should you inadvertently overdraw your account we have the discretion to cover your overdrafts up to your account overdraft limit as outlined in our Discretionary Overdraft Privilege Policy.

Fees charged for covering overdrafts, as well as the amount of the overdraft item, will be subtracted from this Overdraft Privilege amount as items are paid. It may be possible that your account will become overdrawn in excess of the Overdraft Privilege amount as a result of the assessment of a fee. When your items are paid, this service will help save you the embarrassment and inconvenience of a returned item. Should an overdraft occur, your account will be charged the standard Non-Sufficient Funds fee of $28 for handling each item that is paid by the discretionary Overdraft Privilege. If your account balance remains overdrawn for longer than 7 days, we will charge your account a daily overdraft fee of $1 for each of the consecutive business days the account remains overdrawn, beginning with day 7. Payment of any overdrafts will continue to be at the discretion of First National Bank.

Customer Overdraft Policy

It is First National Bank’s policy to utilize the JMFA Overdraft Privilege® program to manage customers’ checking accounts and build good relationships with customers using the service. However, when a customer exceeds their privilege limit, our policy is not to permit further overdrafts. First National Bank will disclose and charge a fee of $28 per item paid into overdraft, which is the same fee charged for items that are returned. It is our policy that these overdrafts must be covered within 30 days of the first occurrence of an overdraft or the privilege limits will be revoked. Members will be notified of such removal. It is the policy of First National Bank not to allow employees and officers who are identified as insiders to be excluded from participation in the program.

The executive committee from time to time will set a cap if needed on the total dollar amount of all overdrafts. If total overdrafts become an issue, First National Bank will monitor total overdrafts on a daily basis, until this problem is brought back under control.

Upon each occurrence of an overdraft, First National Bank will immediately notify the customer by mail of the negative balance of the account and all fees assessed. The Overdraft Privilege Administrator will utilize periodic mail and/or telephone contact with the customer in order to bring the account to a positive balance. All accounts that remain in a negative status will be charged off by the 45th day or sooner if deemed to be uncollectible. First National Bank will endeavor to identify heavy users, and contact them to see if they qualify for any other program or solution available. First National Bank will counsel with willing heavy users on appropriate money management techniques that would avoid frequent overdrafts.

Decisions to approve overdrafts which exceed the customer’s Overdraft Privilege limit shall not be made based on a prohibited basis (e.g., race, color, national origin, sex, marital status, or age).

Our Overdraft Protection services allow you to link other sources you have with First National Bank of Waynesboro to your checking account in order to prevent overdrafts and are less expensive options than an overdraft.


    • A link to another account or line of credit may be less expensive than an overdraft. A single larger overdraft will result in one fee, instead of multiple smaller overdrafts. Use our mobile, internet, and telephone banking services to track your balance. For financial education resources, please visit
    • The $28 Overdraft Paid Item Charge that is charged if you overdraw your account is the same fee that is charged if an item is returned as unpaid. If multiple items overdraw your account on the same day, each item will be assessed an appropriate Overdraft Paid Item Charge or a NSF Returned Item Charge of $28. All fees and charges will be included as part of the Overdraft Privilege limit amount. Your account may become overdrawn more than the Overdraft Privilege limit amount because of a fee.
    • For consumer accounts, there is a limit of 8 Overdraft Paid Item Charges ($224) per day we will charge. We will not charge an Overdraft Paid Item Charge if a consumer account is overdrawn by $5 or less. These exceptions do not apply to business accounts.
    • Recipients of federal or state benefits payments who do not wish us to deduct the amount overdrawn and the Overdraft Paid Item Charge from funds that you deposit or that are deposited into your account may call us at (706) 554-8100 to discontinue Overdraft Privilege.
    • If an item is returned because the Available Balance (as defined below) in your account is not sufficient to cover the item and the item is presented for payment again, First National Bank of Waynesboro (“We”) will charge a NSF Returned Item Charge each time we return the item because it exceeds the Available Balance in your account. Because we may charge a NSF Returned Item Charge each time an item is presented, we may charge you more than one fee for any given item as a result of a returned item and re-presentment of the item. When we charge a NSF Returned Item Charge, the charge reduces the Available Balance in your account and may put your account into (or further into) overdraft. If, on re-presentment of the item, the Available Balance in your account is sufficient to cover the item we may pay the item, and, if payment causes an overdraft, charge an Overdraft Paid Item Charge. We may use the terms “item” and “transaction” interchangeably.
    • If your account balance remains overdrawn for longer than 7 Business days, we will charge your account a daily Overdraft Fee of $1 for each of the consecutive Business days, the account remains overdrawn, beginning with day 7.
    • This describes the posting order for purposes of determining overdrafts. Our general policy is to post items throughout the day and to post credits before debits. Paper checks are posted in check number order, while ATM, ACH and debit card transactions are posted from lowest to highest dollar amount. However, because of the many ways we allow you to access your account, the posting order of individual items may differ from these general policies. Holds on funds (described herein) and the order in which transactions are posted may impact the total amount of Overdraft Paid Item Charges or NSF Returned Item Charges assessed.
    • Overdraft Privilege is not a line of credit; it is a discretionary overdraft service that can be withdrawn at any time without prior notice.
    • Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all overdraft and fee amounts, as described in the Deposit Account Agreement and Disclosure. The total (negative) balance, including all fees and charges, is due and payable upon demand.
    • We may be obligated to pay some debit card transactions that are not authorized through the payment system but which we are required to pay due to the payment system rules, and as a result you may incur fees if such transactions overdraw your account. However, we will not authorize debit card or ATM transactions unless your account’s Available Balance (including Overdraft Coverage Options) is sufficient to cover the transactions and any fee(s).
    • Giving us your consent to pay everyday debit card and ATM overdrafts on your consumer account (Extended Coverage) may result in you incurring Overdraft Paid Item Charges for transactions that we would otherwise be required to pay without assessing an Overdraft Paid Item Charge. However, this would allow us to authorize transactions up to the amount of your Overdraft Privilege If you consent to Extended Coverage on your consumer account, it will remain on your account until it is otherwise withdrawn.

If you have any questions about Overdraft Protection or Overdraft Privilege, please call us at (706) 554-8100 or visit a branch.

If you choose Overdraft Privilege Extended Coverage, ATM transactions and everyday debit card transactions will be included with the Standard Coverage transactions listed above.

If you would like to select Extended Coverage for future transactions:

  • call us at (706) 554-8100
  • visit any branch
  • complete the consent form and mail it to us at P.O. Box 647 Waynesboro, GA 30830

First National MasterCard® Debit Card

The easy way to pay, everyday. Use it in more ways and at more places to buy more than ever before.
Our First National MasterCard® Debit Card is an ATM card and checkbook all rolled into one. Use it to get cash at ATMs nationwide and at millions of locations worldwide: dry cleaners to department stores, hair salons to hardware stores, gas stations to grocery stores!

Debit Card Fraud Center

Please be sure we have your most up-to-date cell phone number AND e-mail address!  Why??  Our Debit Card Fraud Center will contact you on your cell number and/or email when they suspect suspicious activity on your FNB Debit Card.  It is important for us to have correct phone numbers so the Fraud Center is able to contact you immediately to avoid interruption of your debit card service(s).  Once you are contacted and are able to verify purchases, your card will be unlocked and ready for use immediately.  However, if the Fraud Center is unable to reach you then your FNB debit card will be deactivated to prevent any unauthorized transactions. 

Be sure to add our Debit Card Fraud Center to your contacts to avoid the number showing up as “potential spam.”  This feature helps protect your account against possible fraud. 

  • FNB Debit Card Fraud Center
    • *Call us to get this contact information today!

WALLET:  Apple Pay & Google Pay

Apple Pay and Google Pay will change how you make purchases with contactless payment technology and unique security features built right into the devices you have with you every day.

With Apple Pay, you can use your iPhone or Apple Watch to pay in a simple, secure, and private way.  With Google pay, you can use your Android and/or iOS devices.

Get Started

To get started with Apple Pay, simply click the pre-installed Apple Wallet app followed by the "+" button to add your FNB debit card.  Follow the prompts to add your card, then you are ready to go!  Apple Pay can be used at millions of in store, in app or online shops.  Just look for the contactless payment symbol.

To get started with Google Pay, sign in to to start using Google Pay on your computer.  You can also download the app by clicking the links below:

Follow the prompts to add your card, then you are ready to go!  Google Pay can be used at millions of in store, in app or online shops.  Just look for the contactless payment symbol.


For more information regarding Apple Pay, click here.

For more information regarding Google Pay, click here.

Credit Card - The Hometown Card with Worldwide Acceptance!

VISA® or MasterCard® Available
Apply today! Pickup your application at our Main Office located on North Liberty Street.

Guaranteed Auto Protection Plus (GAPP)

In the event your vehicle is deemed a total loss due to an accident or theft, your auto insurance policy will usually only cover the actual cash value or market value of your vehicle less a deductible. This settlement could be significantly less than the amount you owe to your lender or lending company. The final result is a financial GAP where you must make up the difference, which could mean thousands of dollars out of your pocket. Avoid this by obtaining Guaranteed Auto Protection Plus when you take a loan with us at First National Bank.


Safety Deposit Boxes

Don’t wait until it's too late, call your Customer Service Representative today to reserve your box! Store your valuables from proofs of family photos to your grandmother’s jewelry; we have the space for your most cherished possessions.
*Various sizes available

Customer Awareness

Customer Education and Online Security Awareness

Due to the increase of cybercrime, identity theft and exposure to fraud, First National Bank would like to take this opportunity to provide you with the following online security tips and best practices.  We hope this information will help you be safe and smart while utilizing available online technologies.  

  • Do not share your social security number, account numbers, or credit and/or debit card information with anyone you do not know.
  • Only the authorized user and the system being accessed should know a password. The system cannot differentiate between an authentic user and an unauthorized individual who knows your password and/or other personal information. For this reason, it is imperative that you keep your passwords, PINs, tokens, and other access identification private. Never write your passwords or PINs down where someone may be able to find them and use them.
  • Create passwords that are not easy to guess and remember to change your passwords often.
  • Avoid using common passwords such as your name, family names, pet names, social security numbers, account numbers, telephone numbers, birthdates, and any of these spelled backwards.
  • Avoid using common alpha-numeric sequences such as 1234567, 5555555, abc1234, etc.
  • Avoid using the same login or password on multiple websites or programs.
  • Install antivirus, anti-malware and anti-spyware on all computers, and keep them updated. 
  • Run virus scans often.
  • Do not access financial institution websites for online banking purposes from public computer access points such as libraries or coffee shops. Treat all public WI-FI (wireless internet) networks as a security risk.
  • Shred all personal and business mail rather than disposing of it in the trash.
  • Promptly review your bank statements and immediately report any errors to the bank.
  • If you use a smartphone for online bank transactions, make sure no one watches over your shoulder when in public.  The smartphone should be encrypted and have strong password protection.
  • Additional online security information and resources can be found online at

It is very important to remember that no representative from First National Bank will ever contact you and ask for your passwords, access identification, account numbers, or social security number.  If you are concerned that your accounts have been compromised or if you have any questions regarding this information, please contact a customer service representative immediately at 706.554.8100.  The security of your personal and account information is our top priority.

Customer Awareness Training: