Bounce Protection

Bounce Protection is a discretionary overdraft service that is available on your traditional checking account requiring no action on your part that provides you a safety net up to an automatically assigned overdraft limit. Your Bounce Protection limit may be available for checks and other transactions made using your checking account.  Also, by opting-in using this form we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your Bounce Protection limit.  

As long as you maintain your account in “good standing,” we may approve your overdraft items within your current available Bounce Protection limit as a non-contractual courtesy. For overdraft privilege consideration, your account is in “good standing” if you (1) make sufficient deposits to bring your account to a positive end-of-day balance at least once every 30 calendar days (including the payment of all bank fees and charges); (2) avoid excessive overdrafts suggesting the use of Bounce Protection as a continuing line of credit; and (3) there are no legal orders, levies or liens against your account. Please note that the amount of the overdraft plus our paid-item overdraft fee of $30 for each item will be deducted from your overdraft limit. If the item is returned, the returned item NSF fee of $30 will be deducted from your account. No interest will be charged on the overdraft balance.