Overdraft Practices and Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. 

To make changes to your Overdraft Protection Program, call (903) 676-1900, send an email to customerservice@fsbathens.com or download and complete the form below and either present it at any of our branch locations or mail it to First State Bank, P.O. Box 471, Athens, TX 75751.

  • Download our Overdraft Practices and Fees.

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