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Mitchel holds a Bachelors of Business Administration in Finance from The Goizeta School of Business at Emory University and a Masters of Business Administration from The Haas School of Business at The University of California.
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Updated August 2026.
How much is First Convenience Bank’s overdraft fee? First Convenience Bank (a division of First National Bank Texas) charges $34 when it pays an overdraft and $17 when it returns an item unpaid. Per-item overdraft fees cap at two a day and ten a month. No overdraft fee if the item is $5 or less, or if the paid items leave you overdrawn by $12 or less including fees.
| First Convenience Bank overdraft, at a glance | What it means |
|---|---|
| Overdraft fee | $34 per paid item |
| Returned-item (NSF) fee | $17 per returned item |
| Daily / monthly per-item caps | Up to 2 overdraft fees per banking day, and 10 per calendar month |
| No-fee thresholds | No OD fee if the item is $5 or less, or if paid items leave you $12 or less overdrawn including fees |
| Negative Balance Fee | $34 if the account stays negative for 7 consecutive banking days; waived if day 7 is $12 or less overdrawn |
| $0 alternatives | eAccount and Power Stash are excluded from this fee schedule |
Fees verified August 25, 2026 from First National Bank Texas / First Convenience Bank’s Overdraft Fee page and the Power Checking Clear and Concise Guide PDF.
How much does an overdraft cost?
If the bank pays an item into overdraft, you pay $34. If it returns the item unpaid, you pay $17. Per-item overdraft fees stop at two in one banking day and ten in a calendar month. A separate $34 Negative Balance Fee can apply if the account stays negative for seven consecutive banking days.
The $5 and $12 cushions
The bank will not charge an Overdraft fee when the items it pays are $5 or less, or when those paid items leave the account overdrawn by $12 or less including fees.
Does First Convenience Bank charge an NSF fee?
Yes. The Power Checking guide lists a $17 Non-Sufficient Funds (NSF) Fee for each item returned unpaid. If the same item is presented more than once, the bank can charge the NSF fee each time it returns it.
Overdraft Privilege
Overdraft Privilege (ODP) is the bank’s opt-in coverage for paying short transactions. If you opt out, the bank generally will not pay items into overdraft, and a returned item can still carry the $17 NSF fee.
How to avoid these fees
- Watch the $12 cushion. Staying within $12 negative including fees can avoid the $34 overdraft fee on paid items.
- Clear a negative balance within seven banking days to avoid the separate Negative Balance Fee.
- Consider eAccount if you want a Bank On style account outside this $34/$17 schedule.
- Set low-balance alerts before a payment posts.
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How First Convenience Bank compares
Bankrate’s 2025 Checking Account and ATM Fee Study puts the average bank overdraft fee at $26.77 and the average NSF fee at $16.82. First Convenience Bank’s $34 overdraft fee sits above the overdraft average, and its $17 NSF fee is close to the NSF average. Unlike many banks that removed one fee, this bank still charges both.
| Bank (typical account) | Overdraft fee | NSF / cushion |
|---|---|---|
| First Convenience Bank (Power Checking) | $34, up to 2/day | $17 NSF; $5 / $12 cushions |
| Average US bank (Bankrate 2025) | $26.77 | $16.82 NSF average |
| Chase (Total Checking) | $34, up to 3/day | $50 buffer + Overdraft Assist |
Source: Bankrate 2025 Checking Account and ATM Fee Study, published September 10, 2025, https://www.bankrate.com/press-releases/atm-fees-hit-record-high-for-third-consecutive-year/
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First Convenience Bank overdraft FAQ
How much is the overdraft fee?
$34 per paid item, capped at 2 per banking day and 10 per calendar month.
Does First Convenience Bank charge an NSF fee?
Yes, $17 per returned item.
Is there a cushion?
No overdraft fee if the paid item is $5 or less, or if paid items leave you $12 or less overdrawn including fees.
What is the Negative Balance Fee?
$34 if the account stays negative for seven consecutive banking days. It is waived if day seven is $12 or less overdrawn.
Do eAccount and Power Stash use these fees?
No. Those products are excluded from the standard $34/$17 schedule.
Mitchel holds a Bachelors of Business Administration in Finance from The Goizeta School of Business at Emory University and a Masters of Business Administration from The Haas School of Business at The University of California.
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