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What is ATM / Debit Card AdvantagePay?

First Chatham Bank has standard overdraft practices that come with your checking account. With AdvantagePay, when you have an overdraft as a result of a debit card or ATM transaction, we may cover the overdraft and approve the transaction charging you a fee of $35.00. As a First Chatham Bank checking customer, we need your permission before covering ATM and one-time debit transactions when the funds are not available and charging a fee. Other Banks are simply denying these transactions when the funds are not in the customer's account. However, at First Chatham Bank, we are giving you an option. You can "Opt In" to choose to have these transactions considered for payment or you can "Opt Out" and the transactions could be denied.

Is "Opting In" the right choice for you? Please take a moment to read our informative ATM/Debit Card AdvantagePay Brochure. We want to make sure that our customers are fully informed and make the correct decision about their account. If you have any questions, please feel free to contact your local branch. 

"Opting In"

If you are a First Chatham Bank personal checking customer and would like to "Opt In," please complete the Opt In Form. The form can be mailed to the address at the bottom of the form or can be dropped off at your local branch. If you have any questions about this process, please contact your local branch.

We're sorry, but Business checking customers are not eligible for ATM / Debit Card AdvantagePay. However, First Chatham Bank does offer other alternatives to business customers. Please contact your commercial account officer for more details.

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