Bounce Protection


At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned or having a debit card purchase denied due to insufficient funds can be an inconvenient and costly experience. That’s why FNB offers Bounce Protection, a special overdraft service for our customers.

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How does Bounce Protection work?

  • Bounce Protection is a discretionary overdraft service that provides you a safety net up to an automatically assigned overdraft limit.
  • Your Bounce Protection limit may be available for checks and other transactions made using your checking account number or automatic bill payments and recurring debit card payments.
  • At your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit.
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Financial Education

  • At FNB, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly.
  • Our Financial Education page has several resources that may be beneficial. 
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Have more questions?

Overdraft Protection


An overdraft occurs when you do not have enough money in your account to cover a transaction. Overdraft Protection is an inexpensive way to prevent your checking account from becoming overdrawn.

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With overdraft protection, available funds will automatically transfer from another of your deposit accounts (checking, savings or MMA) to cover an overdraft.

Avoid the standard $25 overdraft fee. The cost of Overdraft Protection transfers is only $5 per transfer. If you have one of our Smart Teen e-Accounts, the transfer cost is only $3.


If you’re interested in Overdraft Protection, we’ll be happy to set it up for you. Contact us.