Bounce Protection

When life gets a little blurry, we see you.

Unexpected expenses happen. Bounce Protection helps give you a clearer picture and a little flexibility when your account doesn’t have enough available funds.

While Bounce Protection isn’t a loan or guarantee, it is a discretionary service the Bank may provide to help cover transactions when your available balance isn’t quite enough. Whether an overdraft is paid or returned is always at the Bank’s discretion.

How Bounce Protection Works

Bringing clarity to unexpected shortfalls

If your available balance isn’t quite enough to cover a transaction, the Bank may choose to pay the item using your Bounce Protection limit.

What to expect:

Your account balance may go negative
Overdraft or returned item fees may apply
Bounce Protection limits won’t appear in online banking, mobile banking, ATMs, or teller inquiries

What’s in Focus Automatically

Consumer Accounts

These transactions may be covered by your Bounce Protection limit without any extra steps:

Checks
ACH transactions
Automatic bill payments
Teller withdrawals
Recurring debit card payments

Business Accounts

These transactions may be covered by your Bounce Protection limit.:

Checks
ACH transaction
Automatic bill payments
Teller withdrawals
Recurring debit card payments
ATM withdrawals
Everyday debit card purchases

Fees may be imposed for checks, ACH transactions, automatic bill payments, teller withdrawals, and recurring debit card payments. For consumer accounts, ATM withdrawals and one‑time debit card purchases are only covered if you have affirmatively opted in. No opt-in is required for business accounts.

When We Need Your “Clear Yes”

Regulation E Opt-In

For consumer accounts, ATM withdrawals and everyday debit card purchases require your affirmative consent.

If you don’t opt in:

The Bank will not pay ATM withdrawals or one-time debit card transactions, and no overdraft fee will be charged for those transactions.

You can opt in —or change your mind—at any time.

Fees (No Blurred Lines)

If we pay or return an item using Bounce Protection, the following fees may apply:

Overdraft Fee: $29.50 per item
(NSF) Returned Item Fee: $29.50 per item
Maximum daily fee limit: $88.50

Good news: No overdraft fee is charged if your account is overdrawn by $30 or less after all transactions are posted for the business day, if applicable.

Keeping Your Account in Clear View

You’re responsible for bringing your account back to a positive balance promptly. If your account remains overdrawn more than 30 days or isn’t maintained in good standing*, Bounce Protection may be suspended or discontinued, and collection action may occur as permitted by law.

* 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 Vision Bank fees and charges); (2) avoid excessive overdrafts suggesting the use of BP as a continuing line of credit; and (3) have no legal orders, levies or liens against your account; and (4) are current on all obligations/loans with Vision Bank.

A Clear Reminder

Bounce Protection is a courtesy, not a guarantee
It’s not credit
The Bank may pay or return items at its discretion and may decline to pay any overdraft, even if you have previously had overdrafts paid.
The service may change or end at any time

Looking for Even More Clarity?

You may want to consider additional options that can help reduce or avoid overdraft fees, such as:

Transfers from a linked savings account
Transfers from a line of credit
Other overdraft protection services

We’re happy to help you explore what fits your financial picture.

Keep Your Preferences in Focus

You can opt in or revoke your consent anytime by:

Visiting a branch
Calling 888-332-5132
Logging into online banking (if available)
Completing an Overdraft Services Consent Form

Disclosures:

Bounce Protection is governed by the Bank’s Deposit Account Agreement, Terms and Conditions Overdraft Addendum, and Fee Schedule, which control in the event of any inconsistency. Fees, limits, and policies are subject to change as permitted by law.