You can avoid potential problems while shopping or paying bills with Overdraft Protection from First City. Sign up and avoid returned checks and overdrafts on your checking account should your account become short on funds. Here’s how it works: Available funds from your designated savings account or Visa can be automatically transferred to your checking account. There’s no cost to sign up for Overdraft Protection. However, transfer fees apply each time one is made. There are federal limits which allow only six transfers from a savings account monthly. Please see the Overdraft Repayment Agreement form for further information.