How to Get Your Debit Card Bounce Protection Coverage Back

 

A new regulation required us to make some changes to services on consumer (non-business) accounts. Effective August 15, 2010*, the everyday purchases you make with your debit card and your ATM transactions can no longer be covered by our Bounce Protection service without your consent. 

Because this service was discontinued, your ATM transactions and purchases at grocery stores, gas stations, pharmacies and so on, are no longer covered by the Bounce Protection service. This means if you do not have enough money in your account, or if the funds are not yet available, your card will be denied.

Please take the time to consider the ways you use your account and debit card and make the choice that is right for you and your family.

If you want to reinstate this valuable safety net that costs you nothing unless you use it, you must let us know.  There are three easy ways to opt in:

In person at any branch

Call us at 815-459-2000

Online through our website in the red bordered box below

 

The choice is always yours.  For peace of mind that emergency after-hours cash or purchases will once again be covered (if within your Bounce Protection limit), see any Personal Banker, Teller, or call our Customer Service Department at 815-459-2000 today. 

*This change affects non-business accounts only. As of August 15, 2010, we can no longer authorize and pay overdrafts on ATM and everyday debit card transactions without account holder consent.  A Non-Sufficient Funds (NSF) fee of $32.00 will be charged for covering overdrafts that result in a negative balance at the end of the day. Overdrafts may be created by check, ACH, online banking transactions, phone transactions, or other electronic means. Recurring debit card transactions (payments that are set up to bill and pay automatically), such as an automatic draft from your health club or insurance company, may continue to be covered by Bounce Protection. Once an overdraft has occurred, you are required to bring your account to a positive balance within 30 days. We reserve the right not to pay if your account is not in good standing. Contact us if you have questions.