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.

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

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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.


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I understand that by clicking on "yes" I am choosing to Opt In to the Courtesy Pay program as covered by Regulation E for Everyday Debit Card purchases not covered by the credit union's other overdraft services.

I understand that by clicking on "no" I am choosing to Opt Out of the Optional Overdraft Privilege program as covered by Regulation E and that my one-time ATM and Debit Card purchases will not be paid.
 

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