ODP! is a Valuable OverDraft Privilege service from FIRST NORTHERN BANK

Have you ever. . .

• made a mistake in your checkbook?
• forgot to record a check, an ATM withdrawal, or a debit card purchase?
• had to “guess” what transactions a joint owner has made?
• had a transaction denied or turned down at the checkout stand?

We cannot promise or guarantee these things will never happen, but …
what we can do is provide you a little bit of consideration with our ODP! service.

Rather than automatically returning unpaid any non-sufficient funds items that you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts up to your assigned ODP limit.
 
You do not have to apply for this service and you do not need to sign any additional documents for the service. It is already a part of your checking account package with us. With some exceptions, most of our checking account products are eligible for this service. See “Eligible Accounts” and “Ineligible Accounts & Limitations.”
The best part is, IF YOU DO NOT USE THE ODP! SERVICE IT COSTS YOU NOTHING!

ODP! can mean . . .

• you may avoid high charges from merchants for returned checks
• you may avoid the embarrassment and inconvenience of denied purchases and dishonored checks
• payment of your occasional and inadvertent overdrafts up to a specific limit on eligible* checking accounts will normally be considered. (Our normal non-sufficient funds item charge(s) and daily overdraft fee(s) will apply to each item that would create an overdraft on your account and will be applied against your ODP! limit)

Overdraft Privilege Policy