Bounce Protection
What is Bounce Protection?
Bounce Protection is a discretionary, noncontractual overdraft service that may cover transactions when your available balance isn’t enough, up to a set limit.
It may be used for:
- Checks and teller withdrawals
- ACH and automatic bill payments
- Recurring debit card payments
With your consent (opt-in), we may also authorize ATM and one-time debit card transactions using your available balance and Bounce Protection limit.
What does my Bounce Protection cost?
There’s no fee unless you use the service. If you do use the overdraft limit:
- You’ll be charged our paid item fee of currently $30.00 per overdraft presentment for checks, ACH payments, recurring debit card transactions, etc.
We do not cover ATM and one-time debit card transactions unless you opt in.
If you opt in, and a transaction posts with insufficient funds, you may be charged our paid item OD fee of currently $30.00 per presentment.
How does Bounce Protection Work?
Bounce Protection is a discretionary service, not a guarantee. We may decline to cover an overdraft at any time—even if we’ve approved one in the past.
Your account may become overdrawn by:
- Checks, transfers, or withdrawals
- Authorized debit card transactions
- Returned deposited items
- Account fees
- Deposits not yet available per Funds Availability Policy
We may decline to pay an overdraft for reasons including, but not limited to:
- Your account not meeting eligibility requirements
- The transaction exceeding your assigned overdraft limit
- You’ve opted out of coverage for certain transactions
Returned presentments are subject to a returned item NSF fee of currently $30.00 per item.
If eligible, we may cover overdrafts as a courtesy—not a guarantee. You should bring your account to a positive balance as soon as possible and must do so within 30 calendar days.
If your account is not brought current within 30 days, your Bounce Protection will be suspended, and additional presentments may be declined or returned. Coverage may be reinstated once your account is returned to good standing.
What is my Bounce Protection limit? If I have two checking accounts, can I get Bounce Protection on both?
Your Bounce Protection limit is $500.00. If you have multiple accounts for your household, you may have a limit on all eligible accounts. Texas Bank reserves the right to limit participation to one account per household or to suspend, revoke, or discontinue this service without prior notice.
What are some other ways I can cover overdrafts at Texas Bank?
Texas Bank offers additional ways to cover overdrafts in addition to Bounce Protection:
- Link to a saving account
- Reserve Checking line of credit
These may be more cost-effective than Bounce Protection.
What if I do not want to have Bounce Protection on my account?
To add or remove coverage for ATM and one-time debit card transactions under Bounce Protection, you can:
- Call 325-949-3721
- Or visit any branch
- 2201 Sherwood Way, 4206 College Hills Blvd., 1815 N Chadbourne
You can also remove Bounce Protection entirely at any time. Note: You’re still responsible for any overdrawn balances or related fees.
