Bounce Protection

What is Bounce Protection?

Bounce Protection (SM) is an overdraft privilege service requiring no action on your part. You don't have to sign anything. Your Bounce Protection limit will be automatically assigned 60 days after account opening providing your account is in good standing and you have not chosen to opt-out.

Bounce Protection FAQs

How does Bounce Protection work?
As long as you maintain your account in good standing, Bippus State Bank may approve your overdrafts within your current available Bounce Protection limit. Whether your overdraft will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing. Your account is in good standing if you (1) demonstrate responsible account management—such as making regular deposits to bring your account to a positive balance at least once every 30 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 standard *NSF fee of $33 for each item will be deducted from your overdraft limit. No interest will be charged on the overdraft balance. We will charge you a fee of $33 for each item returned.

How soon can I use my Bounce Protection?
60 days after account opening, assuming your account is in good standing.

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 NSF fee. You will need to subtract the total fees when balancing your checkbook.

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 eligible accounts.

  • BSB Free Checking: $750
  • Heritage Checking: $750
  • BSB Interest + Checking: $1000
  • Money Market Account: $1000
  • Prestige Checking: $1000
  • Student Checking: Not eligible
What if I go beyond my Bounce Protection limit?
Overdrafts above and beyond your established Bounce Protection limit may result in a check or checks being returned to the payee. The standard NSF fee will be charged per item and assessed to your account. An NSF notice will be sent to notify you of our actions.

How quickly must I repay my Bounce Protection?
You should make every attempt to bring your account to a positive balance as soon as possible, and must do so within 30 days. If you are not able to bring your account to a positive balance within 30 days, you will receive a letter from Bippus State Bank informing you of the situation and your options. If, thereafter, your account has not been brought to a positive balance, we may suspend your account and take other steps to recover the funds.

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 standard NSF fee of $33 for each overdrawn item created by check or through in-person withdrawals, ATM withdrawals or other electronic means paid under the limit (for example, three paid items in one day will result in $87 in NSF fees). We will charge you a fee of $33 for each item returned. To help you manage your account, the total fees you have paid for NSF 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 other ways I can cover overdrafts at Bippus State Bank?
The best way to avoid overdrafts and bounced check fees is to manage your account so you don’t overdraw it. However, if a mistake occurs, Bippus State Bank offers additional ways to cover overdrafts in addition to Bounce Protection.  Talk to a Customer Service Representative for details.

What if I do not want to have Bounce Protection on my checking account?
Bounce Protection costs you nothing unless you use it. However, if you would like to have this service removed from your account, please call (260) 356-8900 or email

Bounce Protection is a non-contractual courtesy that is available to individually/jointly owned accounts in good standing for personal or household use. Bippus State Bank reserves the right to limit participation to one account per household and to discontinue this service without prior notice.

*NSF fee is subject to change.