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Overdraft Privilege

FirstLight offers various programs to help you have peace-of-mind that your transactions will be covered when you do not have enough money in your checking account.

What is Regulation E?

Regulation E is a Federal Reserve Requirement requiring consumers to Opt In, or affirmatively consent, to the institution’s overdraft service for Everyday Debit Card transactions, before overdraft fees may be assessed for these types of transactions. The rule also provides consumers the ongoing right to revoke consent.

Overview of Overdraft Process

To learn more about the options you have to cover an overdraft to your account take a look at our FirstLight Overdraft Process. PDF


Courtesy Pay Disclosure

Click here for a printable PDF version of the Courtesy Pay Disclosure 

Overdraft Services Consent Form

Click here for a printable PDF version of the Overdraft Services Consent Form

A copy of the completed form, along with a copy of your valid I.D. can be faxed to (915) 249-3810, scanned & emailed to, or dropped off at any of our branch locations.