Bounce Protection at Vision Bank

Transactions That May Be Covered

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.

  • Consumer Accounts

    These transactions may be covered automatically:

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

  • Business Accounts

    These transactions may be covered:

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

How Bounce Protection Works

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

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.

Manage Your Preferences Anytime

You can opt in or revoke your consent by:

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.