First State Bank in Overland Park, KS offers a range of personal and business banking services, including checking and savings accounts, loans, mortgages, and additional financial services. With multiple ATM locations and the option to order new checks, customers can easily access their funds and manage their accounts. The bank also provides business lending and investment services, as well as trust and investment options for individuals.
Customers have the choice to opt-in or opt-out of overdraft privilege for their ATM and debit card transactions, allowing them to decide whether the bank should approve transactions that may result in a negative balance. By opting-in, customers can avoid having their charges denied, but will incur an overdraft fee. Opting-out means that the bank will not provide coverage for such transactions, and the ATM or debit card transaction will be declined if there are insufficient funds in the account. However, there are exceptions where certain debit card transactions may still cause an overdraft, such as preauthorized transactions or timing discrepancies in transaction processing.
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