What Is Bounce Protection?

Bounce ProtectionSM is a discretionary overdraft service requiring no action on your part that provides you a safety net up to an automatically assigned overdraft limit.

Your Bounce Protection limit may be available for checks and other transactions made using your checking account number or automatic bill payment and recurring debit card payment. Also, at your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit.

What is my Bounce Protection limit? If I have two checking accounts, can I get Bounce Protection on both?

Locate your account type below and make note of the corresponding limit. If you have multiple accounts for your household, you may have a limit on all elgible accounts.

Totally
Free
Checking
Regular
Checking
Homestead
Checking
Seniors
Checking
Super
NOW
Money
Market
Checking
$600 $750 $750 $750 $1,000 $1,000

How does Bounce Protection work?

As long as you maintain your account in “good standing,” we may approve your overdraft items within your current available Bounce Protection limit as a non-contractual courtesy.

For Bounce Protection consideration, your account is in “good standing” if you (1) make sufficient deposits to bring your account to a positive end-of-day balance at least once every 30 calendar 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 paid item OD fee of $28 for each item will be deducted from your overdraft limit. If the item is returned, the returned item NSF fee of $28 will be deducted from your account. No interest will be charged on the overdraft balance. Please refer to the customer overdraft policy for additional details.

How do I know when I use the overdraft limit?

You will receive an overdraft notice in the mail each time items are paid. The notice will show the check number, amount and the paid item OD fee. You will need to subtract the total fees when balancing your checkbook.

What if I go beyond my Bounce Protection limit?

Overdrafts above and beyond your established Bounce Protection limit may result in checks or other items being returned to the payee. The returned item NSF fee of $28 will be charged per item and assessed to your account. An NSF notice will be sent to notify you of items paid and/or returned.

How quickly must I repay my Bounce Protection?

You should make every attempt to bring your account to a positive end-of-day balance as soon as possible, and must do so within 30 calendar days. If you are not able to do so, you will receive a letter from Yellowstone Bank informing you that your Bounce Protection limit has been suspended and additional items will be returned.

What does my Bounce Protection privilege cost?

There is no additional cost associated with this privilege unless you use it. You will be charged our paid item OD fee of $28 for each overdrawn item created by a traditional paper-based check, a teller withdrawal, an automatic payment (ACH) transaction, or a recurring debit card payment. Also, if you have requested us to do so, we may authorize and cover ATM transfers or withdrawals and everyday debit card purchases. For example, three paid items in one day will result in $84 in paid item OD fees. To help you manage your account, the total fees you have paid for items (both paid and returned) during the current month and for the year-to-date will be reflected on your monthly checking statement.

What are some of the ways I may have access to Bounce Protection?

Generally, you may access your Bounce Protection through:

  • Checks and other debits cashed at teller windows
  • ACH debit transactions
  • Checks issued to a third party
  • Recurring VISA Check Card transactions

At your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit. Call (406) 628-7951 or visit one of our branches to arrange for your ATM and debit card coverage.

How soon can I use my Bounce Protection?

If you are a new account holder, you may be able to use the overdraft privilege service 30 days after the account is opened, assuming your account is in “good standing”. Please refer to the customer overdraft policy for additional details.

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