New Regulations Require Your Action

Beginning on August 15, 2010, new Federal regulations have required us to obtain your consent in order to provide you with overdraft services on everyday debit and ATM transactions.

You must give us permission to cover ATM and debit card transactions in the event of an overdraft − even if we have done so in the past for you. If you don’t give us that consent by “opting-in“ we will be forced to decline your card when you do not have enough money in your account to cover the transaction.


Avoid Changes to Your Service

In order to avoid any disruption in Debit Card or Overdraft Privilege services, please respond prior to August 15, 2010.

What Opting-In Means to You?

If you opt-in, you are telling FSCB that:

  1. You DO want us to try to cover your ATM and everyday debit card transactions regardless of the funds that exist in your account.
  2. You are willing to incur the fees that we’ve outlined for this service. You’ll only incur the fees if we actually cover the overdraft for you. There’s no fee to opt-in to the protection.
  3. If we cover your overdraft, you will be saved the frustration and embarrassment of having your card declined.

Important Contacts

To opt−in, please contact First State Community Bank at your earliest convenience. Customers may contact FSCB to opt-in by the methods listed below.

By Phone (Toll Free): 877-757-4366 (Monday-Friday, from 8:00a.m. to 5:00p.m.)

In Person: All FSCB Locations

Via Mail: Existing Customers Only


There is no fee for opting-in to the protection this service offers. You’ll only incur the fees if we actually cover an overdraft for you. Keep in mind that while we may cover some overdrafts, overdraft limits vary. If you have not opted in by August 15, 2010, FSCB will no longer be authorized to provide you with Overdraft Privilege services on one-time debit and ATM transactions. This will put you at risk for declined debit and ATM transactions if there are insufficient funds in your account.

Download the Opt-In Form Now