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It could be an innocent math error or an emergency repair. But there may be times when there is not enough cash in your checking account to cover a payment. Never fear, Bounce Protection is here.

First Robinson Savings Bank provides multiple overdraft protection methods. You can link to another deposit account, and you can also utilize Bounce Protection. Checks, automatic payments, and online payments are covered, and you can request coverage for ATM withdrawals and everyday debit card purchases.

  • Overdraft protection can prevent denied purchases
  • Avoid additional merchant fees or credit dings
  • Can link checking to a First Robinson Savings Bank savings account
    • Automatic transfer covers the overdraft
    • $10 fee per overdraft transfer
  • Bounce Protection coverage
    • We may cover your overdrafts on checks, bill payments, and other transactions using your checking account number
    • If you want bounce protection coverage for everyday debit card purchases and ATM transactions, review and complete our Bounce Protection Opt In form. Then bring the completed form to your local First Robinson Savings Bank branch. We'll take care of the rest.
    • $35 fee for each overdraft item
    • All overdrawn amounts must be paid in full within 30 days
  • Subject to approval

At First Robinson Savings Bank, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly. However, we want to save you from 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.

Once an overdraft has occurred you are required to bring your account to a positive end of day balance within 30 days. We reserve the right not to pay if your account is not in good standing. Contact us if you have questions.