Don’t let overdrafts prevent you from making purchases or withdrawals. With bounce protection, you won’t be locked out of your debit card or ATM.

At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, inconvenient and potentially embarrassing experience.

At Century Bank & Trust, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly. However, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned. That’s why we provide Bounce Protection, a special overdraft service for Century Bank & Trust's customers. 

You can make changes to your Opt-In and Opt-Out status at any time by completing the appropriate election form.

Print and mail forms:

Complete the form and present at your nearest branch, or mail to:

Century Bank and Trust
ATTN: Bounce Protection Department
P O Box 768
Milledgeville, GA 31059-0768


We will not authorize and pay overdrafts on ATM and everyday debit card transactions without account holder consent. An overdraft (OD) fee or returned item fee of $32 will be charged for covering overdrafts that result in a negative balance at the end of the day. Overdrafts may be created by check, ACH, online banking transactions, phone transactions or other electronic means. Recurring debit card transactions (payments that are set up to pay automatically), such as an automatic draft from your health club or insurance company, may continue to be covered by your overdraft service. Once an overdraft has occurred you are required to bring your account to a positive balance within 30 days. We reserve the right not to pay if your account is not in good standing. Contact us if you have questions.