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Ways to Help Prevent Overdrafts


Citywide Banks provides our Bounce ProtectionSM overdraft protection privilege as a convenience to cover inadvertent overdrafts for personal checking accounts. Use of this privilege is subject to our requirement that customers maintain their account in "good standing" by avoiding frequent or excessive overdrafts. Therefore, we are ready to assist customers in finding the tools to help manage their finances responsibly. We encourage all personal banking customers to utilize one or more of the following to help prevent overdrafts.

Regular Account Reconciliation   (Free)
Use your monthly statement or OnlineOptionTM to calculate available account balance by analyzing past transactions and pending transactions.

Direct Deposit for Paychecks & Benefit Payments  (Free)
Ask your employer or benefit payment originator about electronically depositing your paychecks automatically into your Citywide Banks account.

OnlineOption Online Banking & Mobile Banking (Free)
Setup automatic email notifications when your checking account balance hits a minimum balance level, view transaction history, and transfer funds between Citywide accounts. Learn more

VoiceChoice(TM) Telephone Banking  (Free)
Check your available account balance, verify past transactions, or transfer funds between Citywide accounts at any time with a simple phone call.
Learn more

Ready Resource (16.9% APR will apply to outstanding balances)
Ready Resource is a personal credit line for customers who qualify. This credit line is designed as an additional way to protect you from overdrafts on your checking accounts. Download application & present at any Citywide branch

Opt-Out of Citywide Banks Bounce Protection
By choosing to discontinue this privilege, Citywide Banks will return and not pay overdraft transactions if your account does not have sufficient funds.
Download Opt-Out form and present at any Citywide branch

Please phone us at 303-365-3650 or stop by any Citywide Banks branch to learn more about ways to help prevent overdrafts.
Items paid under Bounce Protection Overdraft Privilege discretionary overdraft service are subject to an OD Bounce Paid Item(s) Fee of $33 per item overdrawn (with a maximum daily limit of $99), which may be charged for overdrafts created by check, in-person withdrawal, an automatic payment (ACH) transaction, automatic bill payment, a recurring debit card payment, or other electronic transaction. Also, if you have requested us to do so, we may authorize and cover ATM transfers or withdrawals and everyday debit card transactions. Whether an overdraft 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. You should make every attempt to bring your account to a positive balance as soon as possible, and must do so within 30 days. There is no daily limit for NSF Returned Item(s) Fees for overdraft items returned unpaid or OD Paid Item(s) Fees for overdraft items paid outside of Bounce Protection. No fees are charged for items that overdraw the account $10.00 or less.