Unexpected expenses can happen to anyone. Whether it's a forgotten automatic payment, an early bill, or a simple miscalculation, an overdraft doesn't have to become a bigger problem.
At Better Banks, we believe banking should help make life easier... not more stressful. That's why we offer Bounce Protection, an overdraft privilege that helps eligible customers avoid returned payments and the inconvenience and expense.
When your account qualifies and is in good standing, Bounce Protection may cover eligible overdrafts created by checks, automatic payments (ACH), recurring debit card transactions, and teller withdrawals. Please note: Everyday debit card purchases and ATM transactions require you to opt in before they can be covered explicitly.
How It Works Bounce Protection is automatically available to eligible checking account customers. There is no ongoing monthly service fee or initial setup fee to maintain this protection; you only pay a fee if you use the service.
No enrollment fee
No monthly fee
Protection for eligible accounts in good standing
Overdraft Fees & Policies If Bounce Protection is used to cover a transaction, a $30 paid-item overdraft fee applies to each covered item. For example, if three overdraft items are paid in one day, the total overdraft fees would be $90. The maximum Bounce Protection limit is $300 for eligible checking accounts and $600 for Money Market accounts. These limits are discretionary and subject to change based on account activity.
Important Terms: Overdraft protection is a discretionary service. We do not guarantee that we will authorize and pay any transaction. If an overdraft is covered, you are required to bring your account balance to positive within 30 days. Bounce Protection is intended as a safety net for life's unexpected moments, not as a replacement for sound money management.
*Please refer to the customer overdraft policy for additional details.
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