Overdraft Protection

Bounce Protection is a privilege provided to customers who maintain an account in good standing. We are not obligated to pay any item presented for payment if your account does not contain sufficient funds. We may refuse to pay an overdraft for you at any time, even though we may have previously paid overdrafts for you.

Southwest Missouri Bank reserves the right to limit participation to one account per household and to discontinue this product.

Bounce Protection limits vary by the type of checking account you choose (see below for limits). Your Bounce Protection funds can be accessed by writing a check, using an ATM or Check card or by other transactions that are normally honored through your account.

If you use your Bounce Protection funds, your account will be charged our normal overdraft fee for each overdraft item that we cover, up to your protection limit. We will send you notice by mail when you have accessed your Bounce Protection funds.

Ask your SMB Representative for more details about your Bounce Protection benefit!

PROTECTION LIMITS