Overdraft Protection

As your community bank we understand that life isn’t always predictable, and unforeseen expenses can leave your checking account vulnerable to overdrafts. That’s why we have overdraft protection plans in place, to help you cover the cost of merchant fees and provide a safety net for the infrequent times when you need a little back up.

Bounce Protection limits may be available for

  • Checks and transactions made using your checking account number
  • Automatic bill payment and recurring debit card payments
  • ATM transfers or withdrawals
  • Everyday debit card purchases

Bounce Protection

Give yourself a safety net with Bounce Protection, our discretionary overdraft service that requires no action on your part and covers up to an assigned overdraft limit. This special overdraft protection service is a non-contractual courtesy for all customers! Simply keep your account in “good-standing,” and we may approve your overdraft items within your limit!

To Opt-in to Bounce Protection coverage on ATM transfers or withdrawals and everyday debit card purchases, complete the form below or visit any one of our branch locations.  

Is My Account is in Good Standing?”

Your account is in “good standing” if you:

  • Deposit enough money to bring your account to a positive end-of-day balance at least once every 30 calendar days (including payment of all bank fees and charges).
  • Avoid excessive overdraft suggesting the use of Bounce Protection as a continuing line of credit.
  • Do not have any legal orders, levies or liens against your account.

HPA Overview

  • Loan is available from $250 to $5,000.
  • Variable interest rate offered to customers with a credit score of 680 or higher.
  • Automatic payments deducted from your account once a month, or choose to pay in full.

Hope Prime Advantage

Hope Prime Advantage (HPA) is an overdraft line of credit attached to your personal checking account, and will only activate when the balance of your account falls below zero dollars. We hope this doesn’t happen, but if it does, the funds needed to cover the overdraft will be automatically transferred into your checking account.

Completed applications can be sent to consumer@firsthope.bank or dropped off at your local branch.

There is a $35 annual fee associated with a Hope Prime Advantage.

Automatic Transfer

  • Any other checking or savings account can serve when your primary checking account is overdrawn.
  • Visit any of our branches to sign up!

Automatic Transfer

Set up a safety net for yourself with automatic transfer overdraft protection! Simply link your First Hope account with another account, and should your First Hope account be overdrawn, funds will automatically transfer from your linked account in increments of $100.

There is a $7 per transfer fee for this service. The number of transfers allowed from a savings account each month may be limited and additional fees/consequences for exceeding this limit may apply