Bounce Protection

At times, unanticipated expenses or unforseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, inconvenient and potentially embarrassing experience.

Bounce Protection^SM

Bound Protection^SM is an overdraft privilege available to checking accounts in good standing* designed to provide you with a little more breathing room if your funds run low in your account. As long as you keep your account in good standing, we will approve your overdraft items within your current available Bounce Protection limit. Remember when using Bounce Protection that for each item paid under the limit a $30 NSF fee will be automatically deducted from your account. We will notifiy you by mail when an overdraft occurs.

How much does my Bounce Protection privilege cost?

There is no additional cost for Bounce Protection on your account as long as you bring your account to a positive balance once every 30 days. In the normal course of business, we generally pay electronic transactions first and then checks, prioritized low to high, per the bank's policy. We reserve the right to change the order of payment without notice to ou if we suspect fraud or possible illegal activity affecting your account.

What do I have to do to get Bounce Protection on my account?

Absolutely nothing! If you have a checking account with First State Bank & Trust Company, your designated Bounce Protection limit is automatically assigned to your account. As long as you keep your account in good standing* you can enjoy this extra feature on your account. (New accounts have a waiting period of 30 days before Bounce Protection is applied to the account.)

You may opt out of this privilege at any time, but you are responsible for any overdrawn balances at the time of opting out.

What is my Bounce Protection limit?

To see what your Bounce Protection limit is, find your account type in the chart below.

IMPORTANT NOTE: If you use our 24-hour Touchtone Banking Service, the available balance you will be given does not include your Bounce Protection limit.

Normal overdraft fees apply. Ask the bank for details on Bounce Protection limits.
* An account in "good standing" is defined as making regular deposits and bringing your account to a positive balance at least once every 30 days.
The Bounce Protection^SM logo is a registered trademark of Pinnacle Financial Strategies.