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Overdraft Protection

It happens to the best of us: an error in math, an overlooked check, or a forgotten debit card charge. There are plenty of reasons why an overdraft occurs…and we offer several ways to protect against it.

Our convenient overdraft protection options help you avoid unpleasant surprises like returned items and declined cards. While we encourage you to manage your finances responsibly, we want to provide peace of mind every time you use your debit card or write a check. Pick your plan today.

  • Protect your account and credit history from the negative effects of overdrawing
  • Eliminate additional merchant returned check charges
  • Set up text or email alerts to notify you of possible overdrafts
  • Enjoy greater peace of mind



Overdraft Protection Options

With our overdraft protection options, if sufficient funds are not available in your account, BankFirst will generally strive to pay your overdrawn items.

Pen on check

Bounce Protection

Covers checks, ACH transactions and recurring payments

BankFirst Debit Card

Bounce Plus

Enhancement to Bounce Protection that covers everyday debits and ATM withdrawals

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Privilege Transfer

Automatically transfers from deposit accounts

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Privilege
Line of Credit

Automatically transfers from line of credit

















Pen on check

Bounce Protection

If you write a check or make recurring payments and sufficient funds are not available in your account, BankFirst will generally strive to pay the item(s). Bounce Protection can help you avoid costly returned check fees from merchants.

Overdraft Protection for:

  • Checks
  • ACH Transactions
  • Recurring debit card transactions
    (online subscriptions, bills, etc.)

BankFirst Debit Card Chip

Bounce Plus

Bounce Plus is an enhancement to Bounce Protection that requires “opt in” by the account holder. All of the services and limits of Bounce Protection apply, plus BankFirst will generally strive to authorize and pay everyday debit card transaction and ATM withdrawals if you opt-in for Bounce Plus. Applies to consumer accounts only.

Overdraft Protection for:

  • One-Time non-recurring debit card transactions
  • ATM transactions

Overdraft Protection Details

How to Get it: Generally, accounts will automatically be enrolled at account opening. You can decline at opening or at any point using one of the methods listed under the ‘Manage My Bounce Protection Options’ below.

What it Costs: BankFirst’s normal Overdraft and NSF Fees of $36 per item, per presentment, will apply depending on whether the item is covered as an overdraft or returned unpaid. Fees charged for covering overdrafts, as well as the amount of the overdraft item, will be subtracted from any overdraft limit disclosed. Consumer accounts have a limit of six total Overdraft and NSF Fees per business day ($216 total daily Overdraft and NSF Fees).

How can I Manage My Bounce Protection Options?

You can enroll or decline Bounce Protection at any time by (1) visiting any BankFirst location, or (2) contacting us directly at 877-441-2784, between the hours of 8:00 AM – 5:00 PM CT, Monday thru Friday.  Please note this request could take up to 24 hours. 

(Must have Bounce Protection and a debit card)

How it Works: Applies to consumer accounts only. Bounce Plus is an enhancement to Bounce Protection that requires opting in by account holder. All of the services and limits of Bounce Protection apply, plus BankFirst will generally strive to authorize and pay everyday debit card transaction and ATM withdrawals if you opt in for Bounce Plus.

What’s Covered:

  • One-Time non-recurring debit card transactions
  • ATM transactions

What it Costs: BankFirst’s normal Overdraft and NSF Fees of $36 per item, per presentment, will apply depending on whether the item is covered as an overdraft or returned unpaid.  Fees charged for covering overdrafts, as well as the amount of the overdraft item, will be subtracted from any overdraft limit disclosed. Consumer accounts have a limit of six total Overdraft and NSF Fees per business day ($216 total daily Overdraft and NSF Fees).

How to Get it: This feature is only available on your account if you have Bounce Protection and you opt in for BouncePlus. You can opt in or opt out at any time using one of the methods listed in the "Manage My Bounce Plus Options" below:

How can I Manage My Bounce Plus Options? Bounce Plus is an enhancement to Bounce Protection. With Bounce Plus, ATM and one-time everyday debit card transactions may be covered if you have Bounce Protection and opt-in for Bounce Plus. You can opt in or opt out of Bounce Plus anytime by (1) calling FirstConnection at 866-726-2006 (Option 6 to ‘Change Overdraft Options’); (2) visiting any BankFirst location; or (3) contacting us directly at 877-441-2784, between the hours of 8:00 AM - 5:00 PM CT, Monday thru Friday. Please note this request could take up to 24 hours. A consumer customer who does not affirmatively consent (opts-out) to Bounce Plus for overdraft protection for the payment of ATM and/or one-time everyday debit card transactions, agrees to not overdraw their account for ATM and one-time everyday debit card transactions ($0 debit card overdraft limit).


How it Works: If you have a BankFirst checking, savings, or money market account, we can link your account(s) so that if you should overdraw your checking account and funds are available in your linked account(s), we will automatically transfer funds from one account to the other.

What’s Covered:

  • Checks
  • ACH transactions
  • Recurring debit card transactions
  • One-Time non-recurring debit card transactions
  • ATM transactions

What it Costs: If funds are not available in the linked account(s) to cover an overdraft, then the transfer will not be completed and BankFirst’s standard NSF Charge or OD Charge of $36.00 per item, per presentment will apply depending on whether the item presented against the checking account is paid or returned unpaid. Savings and money market accounts are limited to six total transfers per month (whether Privilege Transfers or any other transfers), and a $2 debit item fee will be assessed on savings accounts, and a $15 debit item fee will be assessed on money market accounts for each transaction more than six per month.

How to Get It: Call or stop by your local branch to link your accounts.

(Subject to credit approval)

How it Works: You may apply for a line of credit. If approved, and you have overdrawn your account and funds are available on your line of credit, we will automatically transfer funds to your checking account, up to your credit limit.

What’s Covered:

  • Checks
  • ACH transactions
  • Recurring debit card transactions
  • One-Time non-recurring debit card transactions
  • ATM transactions

What it Costs: If funds are not available in the Privilege Line of Credit to cover an overdraft, then the transfer will not be completed and BankFirst’s standard NSF Charge or OD Charge of $36.00 per item, per presentment will apply depending on whether the item presented against the checking account is paid or returned unpaid.

How to Get it: Call or stop by your local branch to apply for a Privilege Line of Credit.