Plan 1

You have the flexibility of covering overdrafts from another First Guaranty Bank Checking account, Super NOW account or savings account. You can authorize First Guaranty Bank to transfer only the exact amount needed in your account to avoid an overdrawn status and costly NSF charges. This plan is in effect as long as your designated accounts are in good standing. The cost to you is $30.00 annually. Consumer accounts are charged a $7.00 fee for each daily transfer. Commercial accounts are charged a $15 fee for each daily transfer.

Plan 2

This Plan is available to all customers who have both a First Guaranty Bank Visa or MasterCard and a checking account. Anytime your account is overdrawn, the Overdraft Protection Program will access your Visa or MasterCard line of credit in increments of $100 to cover your overdraft. It is always accessible as long as your credit card agreement is in good standing, and you are within your credit limit. There is a $30.00 annual fee which we debit from your checking account, no NSF charges and only a 4% cash advance fee each time you use this feature.

Plan 3

If you would like to use any Visa or MasterCard other than a First Guaranty Bank card to protect your First Guaranty Bank checking account, you now have capability through Plan 3. We can access your line of credit in increments of $100.00 whenever your account is overdrawn to ensure your checking account remains in good standing. Consumer accounts are charged a $7.00 fee for each daily transfer. Commercial accounts are charged a $15 fee for each daily transfer. The annual fee is $50.00 on consumer and commercial accounts. All fees are debited from your checking account. Applicable fees from your current bankcard issuer may also apply, and the service remains in effect as long as your credit card is current.

Plan 4

This plan is available to all Commercial customers who have both a FGB Commercial Line of Credit and a checking account. Anytime your commercial checking account is overdrawn, the Overdraft Protection Plan will access your Commercial Line of Credit in increments of $100.00 to cover your overdraft. It is always accessible as long as your Commercial Line of Credit is in good standing, and you are within your credit limit. There is a $50.00 annual fee and a $15.00 processing fee for each transfer. Applicable fees from your Commercial Line of Credit may also apply, and the service remains in effect as long as your Commercial Line of Credit is current.