Unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, inconvenient and a potentially embarrassing experience. At Texas Coastal Bank, we encourage you to manage your finances responsibly and we do not encourage overdrafts. We want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned. That is why we provide Bounce Protection, an overdraft privilege service for our checking account customers.

What is Bounce Protection?
Bounce Protection^SM is an overdraft privilege service requiring no action on your part. You don’t have to sign anything. Your Bounce Protection limit amount will be automatically assigned.

How does Bounce Protection work?
As long as you maintain your account in good standing (defined as making regular deposits, and bringing your account to a positive balance, including payment of all bank fees charged to your account, at least once every 30 days), Texas Coastal Bank may honor overdrafts up to the Bounce Protection limit on your account. Whether your overdraft 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 have too many overdrafts. To ensure you don’t exceed your limit if you use Bounce Protection, please note that the amount of the overdraft plus our standard NSF fee of $27.50 for each item will be deducted from your overdraft limit. No interest will be charged on the overdraft balance.
*please refer to the Customer Policy for more details.

How do I know when I use the overdraft limit?
You will receive an overdraft notice in the mail each time items are paid. The notice will show the check number (if applicable), the amount, and the NSF fee. You will need to subtract the total fees when balancing your checkbook.

What is my Bounce Protection limit? I have two checking accounts. Can I get Bounce Protection on both?
Locate your account type below and make note of the corresponding limit. If you have multiple accounts for your household, you may have a limit on all eligible accounts.

What if I go beyond my Bounce Protection limit?
Overdrafts above and beyond your Bounce Protection limit may mean that a check or checks will be returned to the payee. Our standard $27.50 NSF fee will be charged per item. An NSF notice will be sent to to notify you of our actions.

How quickly must I repay my Bounce Protection?
Every attempt should be made to bring your account to a positive balance within 30 days. If you are not able to do so, a letter from Texas Coastal Bank will be sent to inform you of the situation and the options available. If, after a period of time, your account has not been brought to a positive balance, we may suspend your account and take other steps to recover funds.

What does my Bounce Protection privilege cost?
There is no additional cost associated with this privilege unless you use it. You will be charged $27.50 for each overdraft item that we pay and we charge $27.50 for each overdraft item that we return. Overdrafts may be created by check or through in person withdrawals, ATM withdrawals or other electronic means paid under the limit. (For example, three paid items in one day will result in $82.50 in overdraft fees.)

What are some of the ways I can access my Bounce Protection limit? Will my limit be reflected in the balance I receive?
The chart below shows some different ways you can access your Bounce Protection limit and indicates whether or not this limit will be reflected in the balance provided.

How soon can I use my Bounce Protection?
If you are a new account holder, you will be able to use the overdraft privilege service 30 days after the account is opened.

What are some other ways I can cover overdrafts at Texas Coastal Bank?
The best way to avoid overdrafts and bounced check fees is to manage your account so it doesn’t become overdrawn. However, if a mistake occurs, Texas Coastal Bank offers Bounce Protection as an additional way to cover overdrafts.

What if I do not want to have Bounce Protection on my checking account?
Bounce Protection costs you nothing unless you use it. However, you may opt out of the privilege at any time, but you are responsible for any overdrawn balances at the time of opting out.

Bounce Protection Customer Policy

Bounce Protection should not be viewed as an encouragement to overdraw your account. As always, we encourage you to manage your finances responsibly. If you would like to have this service removed from your account please visit or call your nearest Texas Coastal Bank office to request that Bounce Protection be removed from your account(s).

LIMITATIONS: Bounce Protection is a non-contractual courtesy that is available to individually/jointly owned accounts in good standing for personal or household use. Texas Coastal Bank reserves the right to limit participation to one account per household and to discontinue this service without prior notice.