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If you've ever had a check returned for non-sufficient funds, you know the embarrassment and humiliation it causes.
At First State Bank & Trust Company, we are proud to offer you a new service to make sure that you
never have to experience a bounced check again!
Bounce ProtectionSM 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.
You don't have to do anything to request this service. It is automatically assigned to your account with your designated Bounce Protection limit.
First State Bank & Trust Company will honor overdrafts up to the Bounce Protection limit on your account. Remember when using Bounce Protection
that the $30 NSF fee for each transaction will be automatically deducted from your limit. We will continue to notify you by mail when an overdraft
occurs.
What do I have to do to get Bounce Protection on my account?
Absolutely nothing! If you have a checking account with First State Bank & Trust Company, your designated Bounce Protection limit is
automatically assigned to your account. As long as you keep your account in good standing* you can enjoy this extra
feature on your account. (New accounts have a waiting period of 30 days before Bounce Protection is applied to the account.)
How much does my Bounce Protection privilege cost?
There is no additional cost for Bounce Protection on your account as long as you bring your account to a positive balance once every
30 days. Keep in mind, however, that you will be charged an NSF fee for each item paid under the limit.
What is my Bounce Protection limit?
To see what your Bounce Protection limit is, find your account type in the chart below.
Free Checking
Regular Checking
Regular Checking with Club
Money Market
Super Money Market
NOW
Super NOW
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$ 300
$ 600
$ 600
$2,000
$2,000
$2,000
$2,000
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IMPORTANT NOTE: If you use our 24-hour Touchtone Banking Service, the available balance you will be given includes your Bounce Protection limit.
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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 ProtectionSM logo is a registered trademark of Pinnacle Financial Strategies.
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