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 three different ways:
Please ask us about our standard overdraft practices and any of these options.
We do authorize and pay overdrafts for customers in good standing and with no account abuse for the following types of transactions:
We do not authorize and pay overdrafts for the following types of transactions unless you ask us to by opting in:
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 want us to authorize and pay overdrafts on ATM and every debit card transactions, you may fill out the Opt In/Out form within Online Banking under the "Account Changes" tab. If you prefer, you may choose one of the alternate ways below.
If you want to revoke your option for Overdraft Privilege service, you may log in to Online Banking and complete the Opt In/Out form, which is located under the "Account Changes" tab. If you prefer, you may choose one of the other alternate ways below.
Our customer service representatives are available from 8:00 am to 5:00 pm CST Monday through Friday if you prefer to Opt In/Out of either service by phone.
Call (662) 726-6030
If you prefer to Opt In/Out of either service by mail, please write a letter which includes your name, phone number, account number, and preferred option and send it to:
BankFirst Financial Services
P.O. Box 31
Macon, MS 39341
Sometimes it's easier to talk about things in person. Please visit any of our locations and ask a representative to help you decide which plan is best for you.