An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
This notice explains our standard overdraft practices.
We do authorize and pay overdrafts for the following types of transactions:
We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.
If we do not authorize and pay an overdraft, your transaction will be declined.
Under our standard overdraft practices:
If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call 800.451.7843, visit www.fm-bank.com, or complete the form below and present it at any F&M Office or mail it to: F&M Bank, PO Box 216, Archbold, OH 43502
Yes, you may revoke your consent at any time by calling 800.451.7843, visiting www.fm-bank.com, or by visiting any or our office locations or writing us at: PO Box 216, Archbold, OH 43502
By clicking continue you are agreeing to receive confirmation of your request electronically.
© 1999-2010 Fiserv, Inc. or its affiliates.