The following only applies to personal checking accounts currently enrolled in the Bounce Protection program. If you are interested in learning more about Bounce Protection or enrolling in the program, you must visit your local branch. Completing this form will not enroll you in the program.

Click here to learn more about Bounce Protection

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdraft practices that come with your account.
2. We also offer overdraft protection plans, such as a link to a savings account or a personal overdraft line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if BayCoast Bank pays my overdraft?

Under our standard overdraft practices:

• We will charge you a fee of up to $35 (or $5 on qualifying designated 18/65 accounts) each time we pay an overdraft.
• The maximum number of overdraft fees you may be charged in a day for overdrawing your account is 6, or $210 (or $30 on qualifying designated 18/65 accounts).

What if I want BayCoast Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, complete the form below, call 508-678-7641, or visit your local branch.

I do not want BayCoast Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions.

I want BayCoast Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions.

*Printed Name:  

*E-mail Address:  

*Checking Account Number(s):

*Debit Card Number(s):