A Convenient Overdraft Privilege Service for You

• We are constantly evaluating new services and better ways to serve our customers.
• We know the embarrassment associated with the occasional or inadvertent overdraft, not to mention the exorbitant fees charged by merchants when your check is returned.
• We are trying to do all we can to help. We have added Convenient Overdraft Privilege Service to eligible personal checking accounts.

Of course, we can't promise to pay every overdraft, but if you maintain your eligible account in good standing, rather than automatically returning unpaid any non-sufficient funds items that you may have, we will consider without obligation, payment of your reasonable overdrafts.

Of course, we will charge your account our normal Non-Sufficient Funds and/or Overdraft Fee of $28.00 for each item that would create an overdraft on your account. We will send you a notice each time an overdraft occurs.

This discretionary overdraft service requires no action on your part. You do not have to sign any additional documents and it costs you nothing unless you use the service - by initiating checks, electronic fund transfers, or other payment or withdrawal request for more than the amount of collected (available) funds you have on deposit in your account.

We are not obligated to pay any item presented for payment if your account does not contain sufficient collected funds even if we may have previously paid such items.

Overdraft Privilege is another good service and another good reason for banking with First Federal Savings of Lorain. Please read the Overdraft Privilege Service Description to clarify any questions you may have. If you still have questions, please do not hesitate to call the First Federal Savings office nearest you.