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Checking Overdraft Services

Business Banking

Checking Overdraft Services

At Platte Valley Bank, we make every effort to be sure your checks are honored when presented to the bank for payment. We offer a variety of ways to avoid the embarrassment of returned checks:

Bounce Protection

Having a check returned due to insufficient funds can be a costly, inconvenient, and potentially embarrassing experience. Bounce Protection is a discretionary overdraft service, requiring no action on your part, which provides you a safety net up to an automatically assigned overdraft limit. Your Bounce Protection limit may be available for checks and other transactions made using your checking account number or automatic bill payment and recurring debit card payments.

At your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit. There is no additional cost associated with Bounce Protection until you use it. With Bounce Protection, you will be charged our overdraft fee of $25 for each overdrawn item, up to $125.00 per day. No interest will be charged on the overdraft balance, or the overdraft fees.

As a courtesy to our customers, non-sufficient funds checks are paid whenever possible under this program. You should make every attempt to bring your account to a positive balance as soon as possible, and must do so within 30 calendar days. Platte Valley Bank reserves the right to require on demand repayment of overdrawn funds.

Savings Overline Service (SOS)

With Platte Valley Bank’s Savings Overline Service (SOS), Platte Valley Bank will transfer funds from your Regular Savings or Money Market accounts,** to your checking account whenever the funds in your checking are insufficient to cover checks presented for payment. Transfers are in dollar amount needed, and overdraft protection is available up to the amount deposited in your Regular Savings or Money Market accounts. There is a $5.00 fee for each transfer of funds with the SOS service.

Credit Line Checking

Platte Valley Bank’s Credit Line Checking provides a line of credit that can be linked to your checking account. If your checking account balance falls short for any reason we will automatically advance money into your account to cover the amount needed, up to your pre-authorized credit limit.

Advances are made to the next even dollar amount bringing your checking account to a positive status. Credit Line Checking is also available when you use your Platte Valley Bank ATM Card or VISA Debit Card to withdraw cash from your checking account at an automatic teller machine.*** You will be notified by mail when funds are advanced to your checking account from your Credit Line Checking account if the advance is over $100.00. A Credit Line Checking statement provides information on cash advances and payments.

It also gives you advance notice of the minimum payment amount and the day the payment will automatically deduct from your checking account. This statement is mailed 21 days prior to the due date. The automatic payment is $15.00 or 5% of your ending Credit Line balance, whichever is greater. You may repay part or all of your Credit Line balance any time. You may also make payments by mail. The automatic payment can be avoided if you make a payment after the statement date and prior to the due date. There is a low annual fee for Platte Valley Bank Credit Line Checking. Ask for details.

It’s Easy to Transfer Funds Between Your Platte Valley Bank Accounts!

If you wish to transfer money to your Platte Valley Bank checking account from your Regular Savings account or Money Market** accounts, it is quick and easy. With a Platte Valley ATM Card or VISA Debit Card, you can transfer funds between your accounts, at any Platte Valley Bank automatic teller machine or at thousands of ATMs*** worldwide. You can also go online and log in to your NetBANKING account to transfer funds and manage your accounts.

* Bounce Protection is for those accounts that meet all requirements and remain in good standing. The bank may at its discretion refuse to pay any checks presented or to suspend this accommodation at any time. ** Subject to regulatory limitations. Ask for details. *** All transactions at Platte Valley Bank ATMs are free. Foreign transaction surcharge fees at ATMs not owned by Platte Valley Bank will be reimbursed by us and deposited to your account. All transactions at Platte Valley Bank ATMs are free.

Order Your Checks Online

Order Your Checks Online

Find your nearest Platte Valley Bank

Platte Valley Bank is pleased to offer a wide variety of accounts and services to meet the needs and lifestyles of all of our personal banking customers. Whether you need a checking account with no minimum balance requirement, a savings account with a competitive interest rate, or a personal loan to help you achieve your goals, we have a product to meet your needs.

Nebraska Main Bank

Scottsbluff Phone: 308-632-7004 Toll Free: 888-632-7004

Wyoming Main Bank

Torrington Phone: 307-532-2111 Toll Free: 800-777-8999

Regulatory Notices

Privacy Notice

Facebook Posts

We're Hiring! Platte Valley Bank in Casper, Wyoming is looking for a Personal Banker to join the team! For more information and to apply, visit pvbank.com/careers/ ... See MoreSee Less

Were Hiring! Platte Valley Bank in Casper, Wyoming is looking for a Personal Banker to join the team! For more information and to apply, visit https://pvbank.com/careers/

 

Comment on Facebook

Marcie Ramirez tell Jacob

We are a proud sponsor of the 2018 Old West Balloon Fest, which will be held Friday, August 17th and Saturday, August 18th. As a reminder, parking passes are required and are available at our Platte Valley Bank locations in Scottsbluff, Gering, Bridgeport and Morrill. The cost is $10 and is valid for the sunrise launch on Friday and Saturday morning and the Night Glow Saturday night. ... See MoreSee Less

 

Comment on Facebook

Have you chosen the winner of the hot air balloon ride?

Get your engines running for the Morrill Movie in the Park! Tonight is a free screening of "Cars" along with a Cardboard Car decoration contest and a prize pack with four tickets to Hiway 92 Raceway. Movie starts around 8:15 p.m. - be sure to be there early for all of the fun festivities. We can't wait to see everyone there! ... See MoreSee Less

Get your engines running for the Morrill Movie in the Park! Tonight is a free screening of Cars along with a Cardboard Car decoration contest and a prize pack with four tickets to Hiway 92 Raceway. Movie starts around 8:15 p.m. - be sure to be there early for all of the fun festivities. We cant wait to see everyone there!

We have had a blast so far this week at the Goshen County Fair in Torrington, Wyoming! ... See MoreSee Less

We've got bags full of candy to give out during the Goshen County Fair Parade on Torrington! We hope everyone has fun and safe weekend! Saving is Sweet with Platte Valley Bank! ... See MoreSee Less

Weve got bags full of candy to give out during the Goshen County Fair Parade on Torrington! We hope everyone has fun and safe weekend! Saving is Sweet with Platte Valley Bank!

1 week ago

Platte Valley Bank

Join us tonight in Morrill for our last movie of the summer season! Remember to bring your cardboard cars for our contest! ... See MoreSee Less

Join us tonight in Morrill for our last movie of the summer season! Remember to bring your cardboard cars for our contest!Image attachment

 

Comment on Facebook

Thank you for organizing these fun community events. We all had so much fun!

As a reminder, Platte Valley Bank in Torrington, WY will be closing early on Thursday, August 9th for the Goshen County Fair and Parade. ... See MoreSee Less

As a reminder, Platte Valley Bank in Torrington, WY will be closing early on Thursday, August 9th for the Goshen County Fair and Parade.

1 week ago

Platte Valley Bank

Members of their drumline battled it out with VIBES advanced drumline in front of a packed crowd at David Street Station in Casper, WY this afternoon. Check it out!

Boys & Girls Clubs of Central Wyoming
What a treat from the Denver Nuggets SkyLine!

Members of their drumline battled it out with VIBES advanced drumline in front of a packed crowd at David Street Station this afternoon.

The group then let Club youth make some of their own music on their drums and signed autographs.

Thanks to Platte Valley Bank for making this possible and for its support in music education and exploration for our children.
... See MoreSee Less

2 weeks ago

Platte Valley Bank

We are ready for the Platte County Fair parade in Wheatland, Wyoming! Special thanks to Wayne Paris for letting us use his fully restored Ford ZLazyY. We hope everyone enjoys the parade and fair! ... See MoreSee Less

We are ready for the Platte County Fair parade in Wheatland, Wyoming! Special thanks to Wayne Paris for letting us use his fully restored Ford ZLazyY.  We hope everyone enjoys the parade and fair!Image attachment

2 weeks ago

Platte Valley Bank

We are proud to be a sponsor for the Drumline Battle Event between the VIBES Drumline and the Denver Nuggets SkyLine Drumline! The free event will be held Monday, 8/6 from 12-1 p.m. at David Street Station in Casper, Wyoming. Stop by to cheer for your favorite drumline!

Vibes Fine & Performing Arts
Denver Nuggets SkyLine We're Calling YOU OUT....
LET'S MAKE SOME NOISE!
Drop us a BEAT in the comments below.
#Like for Nuggets #Share for VIBES
#DrumlineBattle #MakeSomeNoise
... See MoreSee Less

 

Comment on Facebook

Thank you so much Platte Valley Bank for making this opportunity possible for our students, families, and Casper community! This is going to be a once-in-a-lifetime experience!!

3 weeks ago

Platte Valley Bank

Great way to kick off Fair Week in Mitchell, NE! ... See MoreSee Less

Great way to kick off Fair Week in Mitchell, NE!

3 weeks ago

Platte Valley Bank

Platte Valley Bank associates (left to right) Bridget Peck, Amy Doll, Tim Propp and John Marshall teamed up for the Putt For The Paw golf tournament to support the Scottsbluff Booster Club. Thanks to all of the volunteers and golfers who helped make this event a success! ... See MoreSee Less

Platte Valley Bank associates (left to right) Bridget Peck, Amy Doll, Tim Propp and John Marshall teamed up for the Putt For The Paw golf tournament to support the Scottsbluff Booster Club. Thanks to all of the volunteers and golfers who helped make this event a success!
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Contact

Nebraska Main Bank Scottsbluff Phone: 308-632-7004 Toll Free: 888-632-7004
Wyoming Main Bank Torrington Phone: 307-532-2111 Toll Free: 800-777-8999

Regulatory Notices

Privacy Statement | Privacy Notices