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Bounce Protection for those "oopsie" moments.

Nothing is worse than hearing, “your card has been declined.” Prevent such an occurrence with Bounce Protection. An overdraft occurs when you do not have enough money in your account to cover a transaction and it is paid anyway.

Bounce Protection is a discretionary overdraft service, requiring no action on your part that provides access to an automatically assigned overdraft limit covering your transactions that reach beyond the amount in your account. Your Bounce Protection limit may be available for checks and other transactions made using your checking account number or automatic bill payment and recurring debit card payments. Also, at your request for Enhanced Bounce Protection, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit.

You can opt in to enhanced bounce protection allowing RCB Bank to authorize and pay overdrafts on your ATM and everyday debit card transactions:

You can also download this form for my Advantage accounts and my Value checking accounts or this form for all other bounce-eligible accounts and submit it the following ways:

  • Mail it to RCB Bank, Attention: Customer Support Services, P.O. BOX 189, Claremore, OK 74018
  • Bring it to your local branch

Bounce Protection is not available to Corporations, Limited Liability Companies or Associations.

Learn more about excessive overdrafts.