Important Information for Our ATM & Visa Debit Card Holders

In order for you to maintain your First Nebraska Educators Credit Union ATM/Debit Card account relationship as you have in the past, please complete this government mandated OPT-IN form.

What will happen if I Opt-In?

An overdraft occurs when you do not have enough money in your account to cover a transaction but we pay it anyway. Overdrafts are paid at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize an overdraft, your transaction could be declined. If we decide to authorize and pay an overdraft, a fee will be charged to your account.

What will happen if I Opt-Out?

If you create an overdraft with your ATM/Visa Debit card, you could jeopardize your card privileges and your card may be revoked.

Click here to read the attached document regarding First Nebraska Educators' Standard Overdraft Protection practices. Please complete the form at the bottom, print, and return it to any of our branch locations. You may also mail the completed form to us at:

You may also call us at (402) 492-9100 or toll-free at (800) 882-0244.