Bounce Protection

Protection from unexpected fees.

Should life get busy or you forget to watch your account balance, rest easy with Bounce Protection. In the event that your account is overdrawn, Bounce Protection will cover your negative balance up to the amount below for your account type. Bounce Protection service automatically transfers the funds to your personal or business checking account.

Account Type:


Totally Free Checking
Cardinal Checking
BNC Rewards Checking*
BNC Perks Checking*
Cardinal Elite Checking
BNC Small Business Checking**
BNC Premier Business Checking**
Business Interest Checking**

* Offered in Virginia only
** Sole Proprietors Only

  • A $36 overdraft fee is charged when Bounce Protection is used, just like a returned check fee.
  • Any and all bank fees and charges including, without limitation, the $36 overdraft fee will be included in this balance.
  • The amount of the Paid Overdraft Item fees or Paid Non-Sufficient Item fees that will be assessed in a day has been limited to 6 fees, amounting to $216.00. No charge will be added if end-of-day balance is overdrawn $5 or less.
  • Once Bounce Protection is used, you will have 5 consecutive calendar days to bring your account to a positive balance.
  • If the account is still at a negative balance on the 5th consecutive calendar day after being overdrawn, a $5 daily fee will be added until the account is brought back to a balance of $0 or more.
  • No application is required for Bounce Protection.

  • Checks
  • ACH items
  • Debit card transactions*
  • ATM transactions*
*Customer must receive and understand the Reg. E "opt-in" request and BNC Bank has provided the customer with a written confirmation letter or a copy of the opt-in/out form 


Eligibility is based on responsible management of the checking account. You will be ineligible for Bounce Protection if:

  • You do not bring your account to a positive balance at least once every 30 consecutive calendar days.
  • The account has had NSF or returned items during the first 30 consecutive calendar days after account opening.
  • You are subject to any legal or administrative order or levy.
  • You are in default on any loan obligation to the Bank.
  • You are currently a party in a bankruptcy proceeding.
  • You have a current outstanding balance in an automatic overdraft repayment plan.
  • You are a minor.
  • Your account is a trust or escrow account.

It is Bank policy to comply with all applicable laws and regulations and to conduct business in accordance with applicable safety and soundness standards.

Suspension of Bounce Protection:
  • BNC Bank reserves the right to suspend your Bounce Protection privilege without notice if we become aware of any of the above conditions. We also reserve the right to suspend your Bounce Protection if we believe you are managing the account in a manner that may harm yourself or the Bank.
  • The account must be brought to a balance of $0 or more at least once every 30 consecutive calendar days to maintain Bounce Protection. If the account is still at a negative balance on the 30th consecutive calendar day after being overdrawn, Bounce Protection will be suspended until the account is brought back to a balance of $0 or more.

Opt Out:
  • You have the right to refuse Bounce Protection by completing an Opt Out Form, which may be obtained at your local branch.

Payment Order:

We will pay your items based on the order outlined below: 

  1. Deposits and credits received prior to that day’s business day cutoff.
  2. Electronic withdrawals, for example, ATM or debit card transactions. These transactions are posted in chronological order if available; otherwise the transactions will post in ascending dollar order (lowest to highest) after items with time detail. 
  3. Checks presented as electronic items will post first, followed by checks cashed in the branch, and finally paper checks. All checks will be posted in sequential serial number order. If the serial number order is unavailable, the items will be posted in ascending dollar amount order (lowest to highest) before numbered checks have posted.

Your account agreement describes the duties, obligations, and rights of depositors, authorized signatories, and the Bank with regard to your deposit accounts. That account agreement is incorporated herein for all purposes as if it were set forth verbatim as to matters not directly addressed by this agreement. Your account agreement and this disclosure shall be construed so as to minimize conflicts between the two agreements. Waiver: The Bank’s forbearance from, or delay in, exercising any of the Bank’s rights, remedies, privileges, or right to insist on your strict performance of any provisions on your account agreement, this Bounce Protection disclosure, or any other provision related to your account, shall not be construed to be a current or future waiver of the Bank’s rights, remedies or privileges.

Arbitration: You and the Bank hereby acknowledge that any controversy arising out of this bounce protection, or the bank’s or your performance hereunder, shall be settled by arbitration in accordance with the rules of the American Arbitration Association, except as prohibited by law.