No Bounce Advantage™

No Bounce Advantage TM is a special overdraft program designed to pay transactions when you inadvertently do not have enough funds on deposit with us. The overdraft program is granted to our personal checking account customers and our commercial checking account customers when the eligibility requirements of the program are met.

The No Bounce Advantage™ limit will be assigned based on the type of checking account you have. If you use No Bounce Advantage™, an Overdraft Item Fee of $33 will be charged for each transaction.  The overdraft item fee(s) and the amount of the overdraft item(s), will be subtracted from your overdraft limit. More than one overdraft item fee may be imposed against the overdraft limit per day, depending on the number of transactions presented on, and other withdrawals made from, your account. The bank will notify you when an overdraft occurs.  

Overdraft item fees may be charged when an overdraft is created by check, in-person withdrawal, ATM withdrawal, the return items deposited by you unpaid, the imposition of service charges, and the deposit of items where funds are not immediately available, or other electronic means.

Whether your overdrafts 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 or you have too many overdrafts.

You must bring your account to a positive balance at least every 30 days by making deposit(s) of at least the amount you have used of your overdraft limit.  The overdraft limit used will be automatically paid back from the deposit(s) you make into your account as soon as adequate funds are available.  

You should refer to the No Bounce Advantage™ Agreement for the full terms and conditions of this overdraft program.  There may be low cost alternatives to this overdraft program such as a line of credit (through a TSB credit card) or a link to another account you have with us.  

For more information, click on Contact Us and request it;  we will respond promptly.  

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