Bounce Protection® is an overdraft service that protects you when unexpected expenses occur and you have a shortage of cash available in your checking account. This service help you reduce the costs incurred from having a check returned to a merchant and preventing a negative impact on your credit history.
We may approve your overdraft items within your current available Bounce Protection® limit as a non-contractual courtesy. Bounce Protection® is available after a 30-day waiting period for new accounts that meet requirements. Bounce Protection® is a privilege provided with your checking account if you make deposits that bring your account positive at least once every 30 calendar days, you do not use your Bounce Protection® as an ongoing source of funds, you are not past due on any consumer or real estate loan with the bank, and you do not have any legal orders, levies or liens against your account. Your overdrawn balance will include any fees charged against the account. Any overdraft transaction that is paid by the bank will be charged our overdraft item fee of $25.00. If the item creating the overdraft is returned, a return item fee of $25.00 will be assessed. The amount of the transaction and the assessed fees will reduce the availability of the privilege. Overdraft fees apply to all insufficient items; whether by check, ATM or in-person withdrawal, or by other electronic means. Overdrafts should be covered within a reasonable amount of time; generally 3-5 days. Overdrafts not settled within 30 days will have privileges revoked. (Request a Bounce Protection® brochure or disclosure information for further details).