LIFE HAPPENS. WE'VE GOT YOU COVERED.
At times, life can be unpredictable and cause us to lose track of our expenses or account balances. Having a check or other payment returned due to insufficient funds can be costly and inconvenient. That’s why we provide Bounce Protection, an overdraft service for Tendto's share draft checking account holders.
What is Bounce Protection?
Bounce Protection is a discretionary, noncontractual overdraft service that may cover transactions when your available balance isn't enough, up to a set limit.
It may be used for:
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Checks and teller withdrawals
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ACH and automatic bill payments
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Recurring debit card payments
With your consent (opt-in), we may also authorize ATM and one-time debit card transactions using your available balance and Bounce Protection limit.
How it works
Bounce Protection is a discretionary service, not a guarantee. We may decline to cover an overdraft at any time—even if we’ve approved one in the past.
Your account may become overdrawn by:
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Checks, transfers, or withdrawals
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Authorized debit card transactions
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Returned deposited items
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Account fees
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Deposits not yet available per Funds Availability Policy
We may decline to pay an overdraft for reasons including, but not limited to:
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Your account not meeting eligibility requirements
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The transaction exceeding your assigned overdraft limit
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You’ve opted out of coverage for certain transactions
Returned items are subject to our standard NSF fee of $28.00 per item.
If eligible, we may cover overdrafts as a courtesy—not a guarantee. You should bring your account to a positive balance as soon as possible and must do so within 30 calendar days.
If your account is not brought current within 30 days, your Bounce Protection limit will be suspended, and additional items may be declined or returned. Coverage may be reinstated once your account is returned to good standing.
What does it cost?
There’s no fee unless you use the service. If you do use the overdraft limit:
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You’ll be charged our standard NSF fee of $28.00 per overdraft item for checks, ACH payments, recurring debit card transactions, etc.
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We do not cover ATM and one-time debit card transactions unless you opt in.
If you opt in, and a transaction posts with insufficient funds, you may be charged our standard NSF fee of $28.00 per item.
View full Terms & Conditions.
How to opt in or out
To add or remove coverage for ATM and one-time debit card transactions under Bounce Protection, you can click here to access our opt-in form.
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Call 814.455.6400
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Or visit any branch
You can also remove Bounce Protection entirely at any time. Note: You’re still responsible for any overdrawn balances or related fees.
What's my limit?
After your account is open for 30 days, an overdraft limit of $500 may be assigned based on eligibility criteria.
We limit the program to one account per membership.
Are there other overdraft options?
Yes! We have other overdraft protection plans, such as a link to your savings account, which may be less expensive than Bounce Protection.
Opt in to Bounce Protection Coverage for ATM and One-Time Debit Card Transactions
Bounce Protection Terms & Conditions