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An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. First Interstate Bank can cover your overdrafts two different ways:
There is a way to cover those services (ATM and everyday debit card transactions) that are not currently covered in the two scenarios described above. This service is Debit Card Courtesy Overdraft.
Debit Card Courtesy Overdraft is a service offered to cover ATM and debit card transactions that will be declined when your account is overdrawn, or will become so when the transaction occurs. Coverage is offered at our discretion and is not guaranteed. Standard overdraft fees will apply for this coverage, as explained below.
To authorize First Interstate Bank to pay overdrafts on ATM and everyday debit card transactions, please visit your local branch or call our Client Contact Center at 1-855-342-3400 (M-F 7:30am – 7pm and Sat 10am – 2pm MST). You may also sign up for Debit Card Courtesy Overdraft using our online form.
Under our standard overdraft practices: