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John M. Floyd & Associates Overdraft Privilege Program

JMFA’s overdraft privilege program is a structured way for a financial institution to allow its account holders to overdraw their transaction accounts subject to pre-established limits. It benefits account holders by sparing them the embarrassment of dealing with a bounced check at their local retailer, and by charging them only one single NSF fee through the financial institution. The fee to pay a check is usually the same as the fee for a returned check (insufficient funds or NSF item). JMFA’s overdraft privilege program benefits the financial institution by generating more transactions, using more of the financial institution’s capacity and boosting its non-interest income.
Other Services Include:
  • Overdraft Programs
  • Recruitment & Executive Placement
  • Vendor Contract Renegotiations
  • Strategic Planning
  • Succession Planning
  • Profitability Improvement Consulting

John M. Floyd & Associates
125 N. Burnet Bay Drive
Baytown, Texas 77520
Tel: (800) 809-2307
(281) 424-8864
Fax: (281) 424-3800
Contact: John Floyd
Web Site:
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