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", we may approve your overdraft items within your current available Bounce Protection limit as a non-contractual courtesy.  For overdraft privilege consideration, your account is in "good standing" if you (1) make sufficient deposits to bring your account to a positive end-of-day balance at least once every 30 calendar days (including payment of all bank fees and charges); (2) avoid excessive overdrafts suggesting the use of Bounce Protection as a continuing line of credit; and (3) there are no legal orders, levies or liens against your account.  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 Overdraft Policy at the bottom of this page 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 end-of-day 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 Overdraft Policy

An insufficient balance can result from several events, such as (1) the payment of checks, electronic funds transfers or other withdrawal requests; (2) payments authorized by you; (3) the return of unpaid items deposited by you; (4) bank service charges; or (5) the deposit of items which, according to the bank’s Funds Availability Policy, are treated as not yet available or finally paid. We are not obligated to pay any item presented for payment if your account does not contain sufficient funds.

As long as you maintain your account in “good standing,” we may approve your overdraft items within your current available Bounce Protection limit as a non-contractual courtesy. For overdraft privilege consideration, your account is in “good standing” if you (1) make sufficient deposits to bring your account to a positive end-of-day balance at least once every 30 calendar days (including the payment of all bank fees and charges); (2) avoid excessive overdrafts suggesting the use of Bounce Protection as a continuing line of credit; and (3) there are no legal orders, levies or liens against your account.

In the normal course of business, we generally pay electronic transactions first and then checks beginning with the lowest dollar amount, per the bank’s policy. We reserve the right to change the order of payment without notice to you if we suspect fraud or possible illegal activity affecting your account. Also, please be aware that the order of item payment may create multiple overdraft items during a single banking day for which you will be charged our paid item NSF fee of $27.50 for each overdraft item paid.

You may opt out of the privilege at any time, but you are responsible for any overdrawn balances at the time of opting out. Normally, we will not approve an overdraft for you in excess of the predetermined amount assigned to your account type. So as not to exceed your limit, please note that the amount of the overdraft plus the bank’s paid item NSF fee of $27.50 per item will be deducted from the overdraft limit.

We may refuse to pay an overdraft item at any time even though we may have previously paid overdrafts for you. For example, we typically do not pay overdraft items if your account is not in good standing as defined above, or if based upon our review of your account management, we determine that you have too many overdrafts or are using Bounce Protection as a regular line of credit. You will be charged a returned item NSF fee of $27.50 for each item returned.

You will be notified by mail of any non-sufficient funds items paid or returned that you may have; however, we have no obligation to notify you before we pay or return any item. The amount of any overdraft including our NSF fee of $27.50 for each overdraft (paid or returned) that you owe us shall be due and payable upon demand, but if no demand is made, no later than 30 calendar days after the creation of the overdraft. If there is an overdraft on an account with more than one owner on the signature card, each owner and agent, if applicable, shall be jointly and severally liable for all overdrafts inclusive of fees.

Bounce Protection should not be viewed as an encouragement to overdraw your account. To avoid fees, we encourage you to keep track of your account balance by entering all items in your check register, reconcile your check book regularly, and manage your finances responsibly. If you would like to have this service removed from your account, please call 281-487-4444.

Please note that your Bounce Protection limit may be available for covering overdrafts created at the teller window, ATM, through a POS transaction, Online Banking and Telephone Banking. The limit will not be included in the balance provided during an inquiry.

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 suspend, revoke, or discontinue this service without prior notice.