Bounce Protection

Your Right to Request Bounce Protection

Bounce Protection is a product that transfers money to your checking account when it is overdrawn.  See below for more information, including how to contact us if you would like Bounce Protection.

Having bounce protection does not guarantee that we will pay your overdrafts.  If we decided to pay an overdraft, you will be charged fees as described below.

  • Overdraft Fees
  • We will charge you a fee of $30 each time we pay an overdraft.
    If your account is overdrawn for seven consecutive days, we will charge you a reoccurring overdraft fee of $30 beginning on the seventh day and continuing every seventh day until the account balance is made positive.
  • There is no limit on the daily fees we can charge you for overdrawing your account.

Other Ways We Can Cover Your Overdrafts

We do offer other ways of covering your overdrafts, such as linking your account to another account with us.  For more information on either of these options, please contact us, or visit our website at

How to Opt In to the Bounce Protection Program or Get More Information

To request overdraft coverage, or for information about other alternatives we offer for cover overdrafts, please:

  • Contact us at (940) 397-2300
  • Contact us at
  • Complete the form below and mail it to:
    American National Bank & Trust
    c/o Customer Service Department
    2732 Midwestern Parkway
    Wichita Falls, TX. 76308
  • Click here for printable form