Overdraft Protection

Protect yourself against unexpected overdrafts and the embarrassment of bounced checks.

Simply link your First National Bank of Southern California Cash Reserve to your First National Bank of Southern California checking account. If you write a check but don't have sufficient funds available, we'll automatically make up the difference from the available Cash Reserve account.

Use your Cash Reserve to protect your checking account from overdrafts

When you sign up for optional Overdraft Protection you can:

  • Protect your credit rating. You can pay your bills on time — Overdraft Protection covers your checks if you don't have adequate money in your checking account.

We will transfer the exact dollar amount to cover the overdraft, subject to a minimum Overdraft Protection advance amount of $25.00. If the amount of available credit on your Cash Reserve is less than $25.00, we will transfer the amount of the available credit.