What is Sure Pay?
Sure Pay is a service that adds a layer of protection to your checking account and allows us to pay an item presented, even if it causes the account to become overdrawn. That means instead of returning a check to the merchant because of insufficient funds, we will honor your check, saving you from additional merchant charges, the embarrassment of a declined purchase and helping to protect your good credit rating.
How does Sure Pay work?
Overdrafts on your checking account, up to a limit of $500 including the amount of the overdrawn item(s) and the Sure Pay fee(s), may be honored by 1st National. A $35 fee will be assessed for each item that draws your account negative. You then have up to 30 days to bring the account current, either through a direct deposit, transfer of funds, or a deposit at one of our branch offices.
What if I already have overdraft protection?
If you have established other overdraft protection methods, such as a line of credit, we will always use that method first, before paying your overdraft utilizing Sure Pay and imposing a $35 fee for each overdraft we pay.
Do I have to apply for this service?
No. Sure Pay is a feature of your checking account for processing checks and regular ACH payments, provided you have an account in good standing. If you would like to have this service added to your ATM and/or debit card transactions you must opt-in in writing.