SmartSavings is an account feature available to be added to any personal checking account. This feature provides a $1.00 transfer from the personal checking account into a personal savings account in conjunction with each debit card transaction processed through the checking account. This transfer may possibly overdraw the personal checking account if the balance in the checking account falls below $1.00. Normal overdraft fees would apply. This feature may be terminated at any time by contacting the Operations Department of FirstCapital Bank of Texas, N.A. at 806.374.1000 or by requesting the termination in writing to Operations Dept., FirstCapital Bank of Texas, N.A., 3900 Soncy Rd.; Amarillo, TX 79119.