Bounce Protection Overdraft Privilege is a convenient service that provides you and your family with financial flexibility in times when you may not have sufficient funds in your account.

Everyday debit card purchases where Bounce Protection may be used happen at places like:

Grocery Stores Restaurants • Gas Stations
Doctor's Offices • Pharmacies • Dry Cleaners
Any time you use your debit card for a one-time transaction

* The effective date of the change is August 15, 2010 for accounts opened before July 1, 2010. For accounts opened after July 1, 2010 the effective date of the change is July 1, 2010. Begin­ning August 15, 2010, we will not authorize and pay overdrafts on ATM and everyday debit card transactions without account holder consent. An overdraft (OD) fee or insufficient funds (NSF) fee of up to $23.00 will be charged for covering overdrafts that result in a negative balance at the end of the day. Overdrafts may be created by check, ACH, online banking transactions, phone transactions or other electronic means. Recurring debit card transactions (payments that are set up to bill and pay automatically) such as automatic draft from your health club or insurance company may continue to be covered by your overdraft service. Once an overdraft has occurred you are required to bring your account to a positive balance within [30 days]. We reserve the right not to pay if your account is not in good standing. Contact us if you have questions.




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