What options do you provide for account overdrafts?

First Citizens Bank offers several options for account overdrafts to assist customers who may find themselves temporarily short on funds. One of the primary options is the Overdraft Protection service. This service links an external account, such as a savings account, to the checking account. If the checking account experiences an overdraft, the funds can be automatically transferred from the linked savings account to cover the transaction, helping to avoid fees and declined transactions. Another option is the Overdraft Privilege feature, which allows account holders to overdraw their checking account up to a predetermined limit. This can be beneficial in emergency situations, and it does provide a level of flexibility. However, it is essential for customers to be aware that fees may apply when using this service, and they should aim to maintain their accounts in good standing to take full advantage of it. Lastly, First Citizens also provides a service called Mobile Banking Alerts, which can help customers monitor their account balances in real time. This service enables individuals to keep track of their finances and make informed decisions before any overdrafts occur. For additional details or specific inquiries about these options, it may be helpful to look for more information on the official First Citizens Bank website.