Personal Banking

Overdraft Services

We have different types of overdraft services that may help you avoid and reduce overdraft fees, such as a line-of-credit you may apply for or an automatic transfer service from another account.

The following checking accounts are eligible:

Opt-In/Opt-Out Methods for Overdraft Privilege Service and Regulation E:

In Person:          Your local banking center

By Mail:              First American Bank, PO Box AA | Artesia, NM 88211 | ATTN: ODP Coordinator

By Phone:          800-289-6140

Electronically:   Through online banking

Account Management Tools

Our eBanking services provide options that may help you avoid overdrafts and better manage your First American Bank accounts.

Online Banking*

Oversee your finances online with 24//7 access.

  • Check balances, transactions and view spending
  • Transfer funds between First American Bank accounts
  • Verify checks and deposits

Money Manager*

Better understand and manage your finances, all in one place.

  • All of your financial information in one place - checking, savings, loans and credit cards
  • Categorizes transactions so you can control spending
  • Set email alerts to get timely account updates

Mobile Banking*

Use your phone via our app to monitor your accounts. Available to personal online banking customers.

  • Check account balances instantly
  • Check posted and pending transactions
  • Pay recurring bills

Online Banking Text Alerts*

Sign up to stay-on-top of your account activity in real time.

  • Get low or high balance alert
  • Receive large withdrawal or deposit alert
  • Text commands such as last five transactions, transfer funds, and help

FIRST Line Banking*

Access information about your accounts, at any time, from any telephone by calling 888-746-8300.

  • Check account balances
  • Verify cleared checks and deposits
  • Transfer funds between First American Bank accounts

Account Management Tips

In addition to the tools that we provide to help you manage your account, there are also some best practices to help you avoid overdrawing your account:

  • Keep your check register up-to-date
  • Record ATM withdrawals and fees and debit card purchases
  • Record automatic bill payments and recurring ACH debits
  • Review your account statement each month
  • Set up a savings plan
  • Utilize direct deposit

For more information on First American Bank's Account Management Tips - Contact us

For helpful information about managing your account, visit the following consumer information sites.

FDIC Money Smart - A Financial Education Program

Information on financial education curriculum designed to help individuals enhance their financial skills and create positive banking relationships.

FDIC Consumer News Overdraft Programs

Learn more about Overdraft Programs: Consider Your Lower Cost Alternatives 

Consumer Financial Protection Bureau

For insight on overdraft fees and how to avoid them.


*First American Bank does not charge a fee to use these services, but internet, data, and text message rates may apply; check with your provider for applicable charges. Check with a customer service representative for product terms and requirements.



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