At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, inconvenient and potentially embarrassing experience. At FNB, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly. However, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned. That’s why we provide Bounce Protection, a special overdraft service for FNB’s customers.
Classic Checking….. $500
NOW Account ……… $1,000
You may Opt In or Opt Out of this privilege at any time, but you are responsible for any overdrawn balances at the time of opting out. If you would like to have this service added to or removed from your account, please call 304.927.1750 or 304.485.7641.
IMPORTANT NOTE: If you use our 24-hour First Touch Online Banking and First Touch Telebanking, the available balance you will be given does include your Bounce Protection limit.
* For Bounce Protection consideration, 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 First Neighborhood Bank fees and charges); (2) avoid excessive overdrafts suggesting the use of Bounce Protection as a continuing line of credit; and (3) have no legal orders, levies or liens against your account.