Bounce Protection is an overdraft privilege service requiring no action on your part. You don't have to sign anything. Your Bounce Protection limit amount will be automatically assigned.
How does Bounce Protection work?
What is my Bounce Protection limit?
What are some of the ways I can access my Bounce Protection limit?
What are some other ways I can cover overdrafts at FNB?
Customer Overdraft Policy
As long as you maintain your account in good standing, First Neighborhood Bank may approve your overdrafts within your current available Bounce Protection limit. Whether your overdraft will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing. Your account is in good standing if you (1) demonstrate responsible account management — such as making regular deposits to bring your account to a positive balance at least once every 30 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 standard NSF fee of $30 for each item will be deducted from your overdraft limit. No interest will be charged on the overdraft balance.
*Please refer to the customer policy for additional details.
I have two checking accounts. Can I get Bounce Protection on both?
Locate your account type on the chart to the right and make note of the corresponding limit. If you have multiple accounts for your household, you may have a limit on all eligible accounts.
| First Checking | $500 |
| Bank Club Checking | $600 |
| Personal Checking | $700 |
| First Lifetime Checking | $700 |
| NOW Account | $1000 |
| Money Market Account | $1000 |
Will my limit be reflected in the balance I receive?
This chart shows the different ways you can access your Bounce Protection limit and indicates whether or not this limit will be reflected in the balance provided.
Access points |
Is my overdraft privilege available? |
Does the balance provided reflect my overdraft privilege limit? |
Teller |
Yes |
No |
Writing a Check |
Yes |
N/A |
Debit Card (recurring) |
Yes |
N/A |
Debit Card (everyday) |
No** |
N/A |
ATM Withdrawal |
No** |
No |
ACH- Auto Debit |
Yes |
N/A |
Online Banking |
Yes |
No |
Bill Pay |
Yes |
N/A |
Telephone Banking |
Yes |
No |
**Customers must opt-in to have bounce protection at ATMs.
The best way to avoid overdrafts and bounced check fees is to manage your account so you don't overdraw it.
However, if a mistake occurs, First Neighborhood Bank offers additional ways to cover overdrafts in addition to Bounce Protection.
| Ways To Cover Overdrafts at FNB | Associated Fees |
| Good account management | $0 |
| Overdraft line of credit | 16.5% APR* |
| Link to savings account | $0 transfer fee |
| Bounce Protection | Standard NSF fee of $30 for each tem |
*Annual Percentage Rate subject to change without notice.
