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Overdrafts FAQs

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Do I have to be a member to take out an overdraft?

Family First is a mutual financial services organisation and as such is owned by its members, each one of whom is a shareholder. If your overdraft application is approved we will be delighted to help you become a member as part of the loan process.

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How is the interest calculated on my account?

Interest is calculated daily and charged monthly.

How long do I have to repay my balance?

An overdraft is a continuous credit contract which means as you pay it back you can redraw on it up to your agreed limit.

How do I make repayments to the account?

You can arrange to make your loan repayments either by payroll deduction, direct debit from your savings or transaction account, internet or Phone Access transfer, at any of our branches or using Bank@Post.  

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How often will I receive information on my account?

Statements are issued monthly or every three months as required. Duplicate statements can be requested at any time from our office. Account Balances and Statements are also available through our Internet and Phone banking services.


Apply for an overdraft. apply now


If you have any questions, please contact us. enquire now