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Bounce Protection

Have a Safety Net

Bounce Protection

Always have a safety net that doesn't cost you a penny until you use it.

Bounce Protection can cover your transactions when your checking account has insufficient funds to prevent important payments from being missed.

What is Bounce Protection?
Bounce Protection is an overdraft service that is automatically applied to checks and recurring automatic bill payments. It is also available after opting in for protection on ATM withdrawals or transfers and everyday debit card transactions.

How does Bounce Protection work?
Bounce Protection works like a line of credit ranging from $300-$1,000, depending on the type of account you have. Transactions up to the bounce limit (including fees) that cannot be covered in your checking account due to insufficient funds can automatically be covered by Bounce Protection. All you have to do is maintain the account in good standing as described below.*

How much does Bounce Protection cost compared to other overdraft services?
Bounce Protection is more expensive than alternatives shown below because we charge $25 per transaction; however, no credit approval is required. View a comparison chart of Bounce Protection and a complete lists of its alternative

Credit Reserve One-Way Sweeps Bounce Protection
Fee per transfer or advance N/A $5 $25*
Application and credit approval required Yes No No
Annual Percentage Rate (APR) 15.00%† N/A N/A
APR for cash advances N/A N/A N/A
Automatically enrolled? No No Yes‡
Can I opt out? N/A N/A Yes

How do I get Bounce Protection?
Bounce Protection is automatically applied toward checks and recurring automatic bill payments only. To receive Bounce Protection on everyday debit card transaction and ATM withdrawals or transfers, complete an opt-in form. You can also Apply Online.

How do I cancel Bounce Protection?
You can cancel Bounce Protection by calling our customer care team at 800-815-BANK.

*The fee may be imposed for overdrafts created by check, in-person withdrawal, fees, or electronic transactions other than ATM or one-time point-of-sale transactions. It may also be imposed for overdrafts created by ATM or one-time point-of-sale transactions if you have opted in to that service. You must bring your account to a positive balance, including the payment of Bank fees charged to your account, at least once every 30 days. We will not pay an overdraft if:

  • Your account is not in good standing (defined as making regular deposits and bringing your account to a positive balance, including payment of all Bank fees charged to your account, at least once every 30 days)
  • There are legal orders, liens, or levies outstanding
  • Your overdrawn balance would exceed the predetermined amount assigned to your account type

†The information about the costs of the services described on this page is accurate as of 6/27/2013. This information may have changed after that date. To find out what may have changed, call us at (800) 815-BANK (2265).

‡ Only for those 18 years or older.