American Patriot Bank
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Convenience Services

Bounce Protection

  • Discretionary program available on most checking and money market accounts
  • Insufficient fund items will be paid up to your account Bounce Protection limit
  • A standard NSF fee of $33 will be charged for each item created by check or in person withdrawals, ATM withdrawals, or other electronic means paid under the accounts Bounce Protection limit
  • Further details can be found in the Bank’s Bounce Protection brochure.
Account limits are as follows:

Account Type
Bounce Protection Limits
Business Account
Money Market
  • Overdrafts must be paid within 30 days. The bank reserves the right to return any item if the funds are not available, suspect the item to be fraudulent, loans or any other obligations are delinquent, declaration of bankruptcy, improper endorsement, account has been overdrawn more than 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

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