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Bounce Protection

Bounce Protection is an overdraft service that we provide our customers as part of our customer first, hassle-free banking at Coulee Bank.

New accounts must deposit two times the bounce limit within the first 30 days of account opening to be activated.  Bounce Protection will only be available on checks and ACH transactions unless you opt-in to be charged for ATM and debit card transactions.
As long as you maintain your account in good standing (defined as making regular deposits and bringing your account to a positive balance at least once every 30 days), Coulee Bank may honor overdrafts up to the Bounce Protection limit on your account. If you use Bounce Protection, you should remember the Bank’s normal $30 Bounce fee for each transaction will be deducted from your limit. The Bounce fee is deducted from your account each time an insufficient check or debit item is presented for payment from your account. As in the past, the bank will notify you by mail when an overdraft occurs. This is not a line of credit.
Overdrafts above and beyond your established Bounce Protection limit may result in a check or checks being returned to the payee. The normal $32 return item fee will be charged per check and assessed to your account.  A return item notice will be sent to notify you of our actions.  We will also assess a $3 continuous overdraft fee.  A continuous overdraft fee is a daily fee for an outstanding overdraft status.  Typically, we will charge this continuous overdraft fee after the 2nd business day and for each business day that your account is overdrawn and continues to have a negative (overdraft) balance.

If you have additional questions or would like more information, please contact one of our Personal Bankers at (608) 784-9550 or (866) 784-9550.