Overdraft Sweep Services

Protect Your Checking Account with Our Overdraft Sweep Services

Discover the convenience and time savings of automatic Overdraft Sweep. With Overdraft Sweep you're protected against the inconvenience of accidentally overdrawing your checking account-automatically.

Here’s How it Works:

With Overdraft Sweep, any time a check exceeds the balance in your account, we'll transfer the exact amount of funds needed from a savings or other affiliated account of your choice into your checking account. Transfers will appear on your checking account the same day. For an annual fee, we will transfer funds whenever you need it!  It's that simple.

This way, you can:

• Get increased peace of mind
• Avoid returned checks
• Avoid Overdraft Fees
• Utilize service to stay about balance requirement avoiding maintenance fees

Accounts that can be utilized to offer overdraft protection are:

• Other checking accounts
• Savings accounts
• Money market accounts

There is no limit to the number of checks presented in a day. As long as funds are available in your deposit account, we will transfer money to cover the overdrafts. $25 per year—unlimited use!

How to Get Protected

If you'd like to add Overdraft Sweep to your checking, contact your local First State Bank of Bedias location; Bedias: (936) 395-2141 or Kurten: (979) 589-2407

You can also download and complete the form by clicking here. Simply fax (936-395-2730; Attn: Transfer Authorizations—Originals must be received at PO Box 99 Bedias, TX 77831) or bring in a signed form.

For a complete listing of fees related to checking accounts, please see our current service fee schedule by clicking here or visiting any First State Bank of Bedias location.

First State Bank of Bedias’ Overdraft Practices.

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined or returned unpaid.

What fees will I be charged if First State Bank of Bedias pays my overdraft?

Under our standard overdraft practices:

•       We will charge you a fee of $30.00 each time we pay an overdraft.