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Checking Overdraft Services

Personal 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 Banks 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.

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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

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Facebook Posts

Five years ago today we hosted the grand opening of our Gering, NE location! Thanks to all of our Gering PVB associates for all they do for our company and for the community. ... See MoreSee Less

 

Comment on Facebook

Been an awesome 5 years. Hope they keep me around for another 5..

Paula Sinner Schank

"I LOVE wasting money on fees and additional charges!" - said No One Ever.
At Platte Valley Bank, we believe it shoudn't cost you money to access your money. That's why we offer FREE* ATM's anytime, anywhere.

pvbank.com/atm-debit-cards/
... See MoreSee Less

I LOVE wasting money on fees and additional charges! - said No One Ever.
At Platte Valley Bank, we believe it shoudnt cost you money to access your money. Thats why we offer FREE* ATMs anytime, anywhere.https://pvbank.com/atm-debit-cards/

2 weeks ago

Platte Valley Bank

It's a great morning for a parade! We hope everyone has fun at the Chimney Rock Pioneer Days parade today in Bayard, NE! ... See MoreSee Less

Its a great morning for a parade! We hope everyone has fun at the Chimney Rock Pioneer Days parade today in Bayard, NE!

2 weeks ago

Platte Valley Bank

Get ready to lace up your running shoes! We are giving away 15 marathon registrations for the upcoming Cheyenne Marathon held September 23rd! To enter, “Like” or “Share” this Facebook post titled “Run FREE” from September 6th, 2018 through September 13th, 2018 and you’ll have a chance to win a FREE Cheyenne Marathon Entry during the 2018 Cheyenne Marathon! See below for rules and conditions.

pvbank.com/facebook-contest-rules/
... See MoreSee Less

Get ready to lace up your running shoes! We are giving away 15 marathon registrations for the upcoming Cheyenne Marathon held September 23rd! To enter, “Like” or “Share” this Facebook post titled “Run FREE” from September 6th, 2018 through September 13th, 2018 and you’ll have a chance to win a FREE Cheyenne Marathon Entry during the 2018 Cheyenne Marathon! See below for rules and conditions.https://pvbank.com/facebook-contest-rules/

 

Comment on Facebook

Congratulations to Arnie Solo Yo, Betty Quintana, Brandon Farmer, Claire Snyder, Denise Gray, Diana Sizemore, Don Culver, Imara Leftwich, JJ Gallegos, Leonard YellowElk, Lthr Munoz, Pawel Kozuchowski, Sandra Black Bear, Sarah Quellmalz, Sidney Rosene, Deanna R Olson, George Marcott, Junior Larrabee, Lois Hansen and Matthew Rutledge! Please send us (Platte Valley Bank) a private Facebook message for further information on your prize!

Congratulations to the winners

I would love to run this!!!

Run free pick meeeeee

🏃‍♂️🇺🇲️

🤞🤞

Run a marathon Kimberly, Rob, Bryce, Stephanie, Shferica???

Randy Mulkey 👟👟

Haley Reynolds

Justine Jacobsen

Rowelle David

Lisa Yontz Guajardo

Jana Strahan

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2 weeks ago

Platte Valley Bank

Agriculture is more than a business, it's a way of life. From the food on our table to the clothes on our back, we all depend on Agriculture.
Stop by Platte Valley Bank to see how we can invest in your Ag operation today!
... See MoreSee Less

Agriculture is more than a business, its a way of life. From the food on our table to the clothes on our back, we all depend on Agriculture.
Stop by Platte Valley Bank to see how we can invest in your Ag operation today!

 

Comment on Facebook

That’s my Uncle and Cousin😄 Go PVC

Hey, I recognize family in this picture! 😃

Nice pic!

3 weeks ago

Platte Valley Bank

As a reminder, the date for the Customer Appreciation BBQ and Ice Cream Social in Wheatland, WY has changed from tonight to Wednesday, September 12th, from 5:30 p.m. to 7:30 p.m. at the Platte County 4-H building. We hope to see everyone there! ... See MoreSee Less

As a reminder, the date for the Customer Appreciation BBQ and Ice Cream Social in Wheatland, WY has changed from tonight to Wednesday, September 12th, from 5:30 p.m. to 7:30 p.m. at the Platte County 4-H building. We hope to see everyone there!

3 weeks ago

Platte Valley Bank

As a reminder, Platte Valley Bank will be closed for Labor Day! We hope everyone has a great holiday weekend! ... See MoreSee Less

As a reminder, Platte Valley Bank will be closed for Labor Day! We hope everyone has a great holiday weekend!

4 weeks ago

Platte Valley Bank

We're Growing! Platte Valley Bank in Casper, Wyoming is hiring for two new positions: a Consumer Lender/PB and a Commercial/Ag Lender! We are proud to support the Casper and surrounding communities - come join our team!

Visit pvbank.com/careers/ for more information and to apply!
... See MoreSee Less

Were Growing! Platte Valley Bank in Casper, Wyoming is hiring for two new positions: a Consumer Lender/PB and a Commercial/Ag Lender! We are proud to support the Casper and surrounding communities - come join our team!Visit https://pvbank.com/careers/ for more information and to apply!

1 month ago

Platte Valley Bank

Platte Valley Bank associates Mary Baker (left) and Siara Olsen welcomed student back to school at the Back-to-School BBQ yesterday at Casper College in Casper, WY. We hope students and faculty have a great school year! ... See MoreSee Less

Platte Valley Bank associates Mary Baker (left) and Siara Olsen welcomed student back to school at the Back-to-School BBQ yesterday at Casper College in Casper, WY.  We hope students and faculty have a great school year!

1 month ago

Platte Valley Bank

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

1 month ago

Platte Valley Bank

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

 

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

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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