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Bounce Protection®

You Need to Know. The Choice is Yours… R.U.N

A new government regulation may impact the way you use your debit card. We can no longer provide automatic Bounce Protection service on your every day debit card purchases and ATM transactions. That means if you use your debit card or an ATM and there is not enough money in your account your card will be denied. If you want to keep this service available to you in case of emergencies, you will need to specifically request that Bounce Protection be continued on your account. Please note that you do not need to sign the form to continue Bounce Protection for checks or ACH items.

To continue your Bounce Protection privilege for ATM and debit transactions, please take one of the following steps:

1. Print and Mail Forms

Download Opt-In Form Download Opt-Out Form

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


2. Call Customer Service

Call a customer service representative at (478) 453-3571 or (478) 453-7631.

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.