OOPS! Overdraft Privilege for Business - First Lockhart National Bank
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Online Banking

Online Banking Type

OOPS!™ Overdraft Privilege

OOPS!™ Overdraft Privilege means you are covered should you overdraw your account. Rather than your check returning unpaid, we will consider, without obligation on our part, payment of your reasonable overdrafts up to your assigned limit.

You do not have to apply for this service or sign any additional documents. It's already done!


  • Avoid high returned check charges from merchants
  • Increase your peace of mind
  • Avoid the embarrassment and inconvenience of denied purchases and dishonored checks
  • Limits up to $1500
  • No need to apply
  • Subject to credit approval
  • No cost if service isn't used
Payment of your occasional and inadvertent overdrafts up to your assigned OOPS!™ limit of $800 to $1500 will normally be considered. These limits include our customary fee as further set forth. Our fees will be added to any outstanding overdrafts you may have and will be applied against your limit.

The account types that are eligible for OOPS!™ are: Rewards Checking; Free Checking; First Star Club Checking; Business Analysis Checking; and Small Business Checking.

More Information

OOPS!™ is available for ATM Cash Withdrawals; Debit Card Purchases; Internet Banking and Bill Payment; Telephone Banking Transactions; and other electronic means.

We may approve certain transactions that overdraw your account. An overdraft fee of $32.50 may be charged for each transaction that overdraws your account. If your account is overdrawn for six (6) or more consecutive business days, we will charge an additional $5.00 per day for 15 days. There is a limit of $195.00 on the total fees we can charge you for overdrawing your account per day.

The categories or types of transactions that may overdraw your account include payments, purchases, and transfers of funds.

Whether your overdrafts will be paid or not is at our sole discretion and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or if you have too many overdrafts. We reserve the right to require you to repay your overdrafts immediately or on demand.