No Bounce allows Advantage One to pay a check, even if it causes your account to become overdrawn. This service provides you with an added layer of safety should you accidentally overdraw your account. No Bounce can also help protect you from the fees and embarrassment of returned checks.
If funds are not available in your checking account, an overdraft loan or transfer from your savings account will be used to cover the transaction. If these options are not available, Advantage One may, as a courtesy, approve the item despite the lack of funds.
No Bounce is subject to approval, and requires no member action. It is not a loan (no interest will be charged to your account), and no additional agreements need to be signed. There is an Insufficient Funds (NSF) fee for each No Bounce occurrence. Please see the Fee Schedule for details. You will receive a notice when items are cleared through the No Bounce program. You must bring the account back to a positive balance immediately.
Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.Go to main navigation