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

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19 hours ago

Platte Valley Bank

Play Ball! Stop by the Morrill Park tonight for our Movie in the Park! We'll be showing The Sandlot and showtime is at 8:15 p.m.! ... See MoreSee Less

3 days ago

Platte Valley Bank

Join us this Thursday for The Sandlot at Morrill Park! Stop by Platte Valley Bank in Morrill to register to win this baseball themed gift basket or register the night of the movie! The winner will be drawn at the movie on Thursday and must be present to win. ... See MoreSee Less

Join us this Thursday for The Sandlot at Morrill Park! Stop by Platte Valley Bank in Morrill to register to win this baseball themed gift basket or register the night of the movie! The winner will be drawn at the movie on Thursday and must be present to win.Image attachment

 

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Thank you for all you do for our community and making this boy's night even better!

Carissa J Smith

Daughter: Dad, what's your favorite candy bar?
Dad: A Take 5
Daughter: I've never had one of those.
Dad: You and your brother can split this one and you can each have a Take Two and a Half!

Does your Dad have a sweet tooth? Stop by Platte Valley Bank in Scottsbluff (Plaza location only) today to pick up a free candy bar for that special Father Figure in your life! Just remember to prepare yourself for the inevitable Dad joke.
... See MoreSee Less

Daughter: Dad, whats your favorite candy bar?
Dad: A Take 5
Daughter: Ive never had one of those.
Dad: You and your brother can split this one and you can each have a Take Two and a Half!Does your Dad have a sweet tooth? Stop by Platte Valley Bank in Scottsbluff (Plaza location only) today to pick up a free candy bar for that special Father Figure in your life! Just remember to prepare yourself for the inevitable Dad joke.

Both Platte Valley Bank locations in Cheyenne will be closing at 12:30 p.m. on Wednesday, June 20th to volunteer for the Habitat for Humanity project, “The House that Banks Built.” We are excited for this opportunity to be volunteering our time and construction expertise to help a local family. ... See MoreSee Less

Both Platte Valley Bank locations in Cheyenne will be closing at 12:30 p.m. on Wednesday, June 20th to volunteer for the Habitat for Humanity project, “The House that Banks Built.” We are excited for this opportunity to be volunteering our time and construction expertise to help a local family.

2 weeks ago

Platte Valley Bank

Platte Valley Bank in Morrill is excited to announce our first ever summer movie series! Join us to see The Sandlot, next Thursday, June 21st @ 8:15 pm in the park! ... See MoreSee Less

Platte Valley Bank in Morrill is excited to announce our first ever summer movie series! Join us to see The Sandlot, next Thursday, June 21st @ 8:15 pm in the park!Image attachment

 

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Alysa Carrizaless

Joslin Henkel

Michelle Owens Patricia Owens

Melinda Mata

2 weeks ago

Platte Valley Bank

From newbies to seasoned painters, Platte Valley Bank's Ambassador Club in Torrington held a "Come Paint With Us" event on June 7th inviting members to enjoy treats, fellowship and, of course, painting! Fun was had by all! ... See MoreSee Less

2 weeks ago

Platte Valley Bank

Platte Valley Companies is proud to support the Western Nebraska Pioneers! So proud in fact we want to give you free tickets to see them play!
Stop by Platte Valley Bank at 1212 Circle Drive in Scottsbluff and get your free tickets to see the Pioneers take on the Hub City Hotshots this Friday, June 8th at 6:35 p.m. at Oregon Trail Stadium in Gering! Limit 4 per person, and when they’re gone they’re gone, so stop by Platte Valley Bank quick to get your ticket to the game!
... See MoreSee Less

Platte Valley Companies is proud to support the Western Nebraska Pioneers! So proud in fact we want to give you free tickets to see them play!
Stop by Platte Valley Bank at 1212 Circle Drive in Scottsbluff and get your free tickets to see the Pioneers take on the Hub City Hotshots this Friday, June 8th at 6:35 p.m. at Oregon Trail Stadium in Gering! Limit 4 per person, and when they’re gone they’re gone, so stop by Platte Valley Bank quick to get your ticket to the game!

 

Comment on Facebook

Update: All tickets are gone! Thanks to everyone who stopped by today for tickets. If you would like to purchase tickets for any game this season, you can visit wnpioneers.pointstreaksites.com/view/westernnebraska/

Julie Carrier get some of available

Erika Gabel!!

Aaron Harper Whitney Harper

Liz Molina

Daniel Ramirez

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2 weeks ago

Platte Valley Bank

Stop by Platte Valley Bank for all of your mortgage needs! ... See MoreSee Less

Stop by Platte Valley Bank for all of your mortgage needs!

3 weeks ago

Platte Valley Bank

Proud to support Camp Clarke Days in Bridgeport, NE! ... See MoreSee Less

Proud to support Camp Clarke Days in Bridgeport, NE!

3 weeks ago

Platte Valley Bank

Looking for something fun to do tomorrow? Stop by the Platte Valley Bank BBQ Beef Cook-Off in Bridgeport… for $10 you can taste all the entries and vote on your favorite! ... See MoreSee Less

Looking for something fun to do tomorrow? Stop by the Platte Valley Bank BBQ Beef Cook-Off in Bridgeport… for $10 you can taste all the entries and vote on your favorite!

3 weeks ago

Platte Valley Bank

Congratulations to Sandi Ash of Platte Valley Bank - Torrington on your retirement! If you didn't make it to the party yesterday, you can still stop by and wish Sandi good luck today, which is her last day! ... See MoreSee Less

4 weeks ago

Platte Valley Bank

To all of the fallen soldiers who defended our freedoms, we salute you. ... See MoreSee Less

To all of the fallen soldiers who defended our freedoms, we salute you.
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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

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