Overdraft Protection Options

Robins Financial offers numerous overdraft protection options for situations when the available balance in your checking account is insufficient to cover your transactions. These options are described below. You may opt-out of any or all overdraft protection options by calling (478) 923-3773 or (800) 241-2405.

For additional information on your account balance, how transactions are posted, and debit card holds, please review the following resources:

Overdraft Transfer
Robins Financial allows you to set up your checking account with an Overdraft Transfer option from your primary savings account. This means Robins Financial will transfer available funds from your savings account to cover a transaction that exceeds your available balance in your checking account. .

You can request that Robins Financial change your Overdraft Transfer option to another account, to an established line of credit or to a Robins Financial credit card. To do so, please contact us at (478) 923-3773 or (800) 241-2405.

Bounce Protection
Bounce Protection is a service offered to all eligible members on eligible accounts. Bounce Protection is designed to help guard you against having items submitted for payment from being returned by Robins Financial when the available balance in your checking account is insufficient to cover the transaction.

If, for any reason (including a fee charged by us), you overdraw the available balance in your checking account, Robins Financial may elect to cover the overdrafts under the Bounce Protection option. For each overdraft, you will be charged a Bounce Protection Overdraft Fee of $25.00 per transaction.

The Bounce Protection option is discretionary and Robins Financial is under no obligation to pay any particular transaction. The total amount of overdrafts, including overdraft fees, Robins Financial will honor per checking account is limited to $300. You must bring your account to a positive balance within 30 calendar days to remain eligible for Bounce Protection.

Eligible members have the ability to establish Bounce Protection as a secondary option. Members who have set up an Overdraft Transfer option (such as a savings account, line of credit or credit card) will have available funds transferred from that option first prior to determining whether to cover the transaction (or additional transactions) under the Bounce Protection option.

Bounce Protection may be available for transactions conducted via:

  • Check
  • ACH (including bill pay)
  • Recurring VISA debit card (such as a gym membership or Netflix® subscription)
  • Online Banking and Mobile Banking (including transfers between accounts)
  • ATM and one-time VISA debit card transactions (see Opt-In information below)

Bounce Protection for ATM and One-Time VISA Debit Card Transactions
Robins Financial’s Bounce Protection option does not include your ATM and one-time VISA debit card transactions unless you Opt-In. If you do not Opt-In, these transactions will be declined and you will not be charged a fee.

If you Opt-In and Robins Financial pays an ATM or one-time VISA debit card transaction when the available balance in your checking account is insufficient to cover the transaction, you will be charged a Bounce Protection Overdraft Fee of $25.00 per transaction if the negative available balance is $50.01 or greater (or $10.00 per transaction if the negative available balance is $50.00 or less).

Opt-Out of Overdraft Protection Options
You may opt-out of any or all overdraft protection options by calling (478) 923-3773 or (800) 241-2405.

If you have previously elected to Opt-In for ATM and one-time VISA debit card transactions, you may revoke your consent for these transactions by submitting a Secure Message through Online Banking, calling (478) 923-3773 or (800) 241-2405, submitting your request in writing and delivering it to any of our branches, faxing it to us at (478) 322-7303 or mailing it to us at 803 Watson Blvd., Warner Robins, GA 31093.