"Bounce Protection" Customer Overdraft Policy

An insufficient balance could result from (a) the payment of checks, electronic funds transfers, or other withdrawal requests; (b) payments authorized by you; (c) the return of unpaid items deposited by you; (d) bank service charges; or (e) items you deposit which, according to the Bank’s Expedited Funds Availability Policy, are considered as funds that are not yet available to you.

First National Bank is under no obligation to pay any item presented for payment when your account does not have sufficient funds.  We may, however, approve reasonable overdrafts as a non-contractual courtesy if your account is maintained in good standing (defined as: regular deposits are made and the account is brought to a positive balance at least once every 30 days and there are no legal orders outstanding).  Normally, we will not approve an overdraft for you in excess of your Bounce Protection limit including any standard insufficient fund(s) fees.  We may, at any time, refuse to pay items that will overdraw your account, even though we previously paid items that overdrew the account.

You will be notified by mail when we pay or return non-sufficient funds items.  However, we are under no obligation to notify you before we pay or return any item.  The amount of any overdraft balance including any fees that you owe First National Bank will be due and payable upon demand.  If there is more than one (1) owner on the signature card for an account, each owner and their agent, if applicable, will be jointly and severally liable for any such overdraft, including any fees that have been charged.

The Bounce Protection overdraft limit is available for checks and other transactions made using your checking account number and automatic bill payments.  Bounce Protection does not include overdrafts for ATM and everyday debit card transactions unless you have authorized First National Bank to pay overdrafts on these transactions by completing an “Opt-In’ form.

Bounce Protection is an automatic feature of your account but should not be viewed as encouragement to overdraw the account.  As always, we advise you to manage your finances responsibly.  Please note that your Bounce Protection limit may be included in your balance provided by a teller and through our telephone banking system – Bankline 24.  However, the balance provided at an ATM does not include the Bounce Protection limit.

In the event you want the Bounce Protection removed from your account, you may do so by signing a Waiver of Limit form at any of our FNB office locations.  You will still be responsible for any overdraft that may exist on your account at the time of cancellation.

Limitations: Bounce Protection is available to individually owned accounts in good standing for personal or household use.  Participation may be limited to one account per household.  First National Bank of Oneida reserves the right to discontinue the Bounce Protection program with 30 days prior notice.

Frequently Asked Questions


How does First National Bank's Bounce Protection work?

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As an FNB checking customer you receive a Bounce Protection Limit. There is a 60 day delay before new accounts are covered by Bounce Protection.

Should an overdraft occur, you'll be covered until you exceed your limit.

Checks covered by Bounce Protection are still subject to our standard NSF/OD (non-sufficient funds/overdraft) fee that will be deducted from your account.

What is the benefit to me?

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Instead of sending a check back to the payee, who can tack on a service charge of their own, we cover your check (up to your preset limit) and no one else has to know.

How do I know when Bounce Protection has been used?

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We'll notify you by mail each time the service is used. We'll tell you the check number, amount paid and the standard per item NSF/OD fee charged by First National Bank.

How much does Bounce Protection cost?

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FNB Bounce Protection costs you nothing unless you write a check for more than you have on deposit in your account.

When your check (or other withdrawal request) exceeds the amount you have on deposit and accesses your Bounce Protection, the only cost to you is our standard per item NSF/OD fee.

I have more than one account. Is Bounce Protection available for all of my checking accounts?

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Absolutely! Bounce Protection works on all your personal checking accounts. However, Bounce Protection is not available for business checking accounts.

How can I access Bounce Protection?

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Make an ATM withdrawal (must opt-in for this service)
Use your Debit Card (must opt-in for this service)
Write a check
Transfer funds electronically

Okay, what happens if I exceed my limit?

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When you exceed your limit, checks may be returned to the payee and the standard NSF/OD fee will be charged to your account.

How soon must I settle my account when Bounce Protection is used?

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The sooner the better, obviously. If your account is not brought to a positive balance within 30 days, we'll send you a letter explaining your options. Should the account remain in arrears, we'll be forced to close the account and take appropriate steps to recover funds.

What if I don't want Bounce Protection?

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You may choose not to have Bounce Protection by signing a Waiver of Limit form at the FNB office nearest you.

How can I find out more information or my preset limit?

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Central 663-2395
Huntsville 663-3461 
Oneida 569-8586 
Winfield 569-6386 
Bookkeeping 663-4044

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