What is No Bounce Privilege?

• In the event there are insufficient funds in your account to cover a check, Debit Card purchase(where you entered your PIN # to initiate the transaction), ATM withdrawal or preauthorized debit, MHV will pay your transaction. You will be charged a $25 fee for each item paid, but you will avoid the merchant’s returned item fee and stay in good standing with them.

• MHV offers No Bounce protection for our members who maintain their accounts in good standing

• See Terms and Conditions for details

Reasons You’ll Appreciate MHV’s No Bounce Privilege:

• You need just enough gas to get home and your wallet is empty. Swipe your Debit Card at the pump and you will be on your way.

• Your groceries are on the register belt but they are more than what is in your account. Relax, swipe you’re Debit Card, you will have your groceries and you won’t be embarrassed.

• You’re short on cash to travel home from vacation. Don’t worry, go to an ATM, it will work

• You need emergency car repairs, but payday is tomorrow. If you pay with your Debit Card, you’ll be safely on your way.

• Your son forgot to tell you about the money he needs for today’s field trip. Stop at the ATM on the way to school, your son will have a great day and you will be his hero.

• You will incur the normal MHV overdraft fee, but you’ll have gas, dinner on the table, safe travels and happy memories. You’ve opted in and you’re in charge.

Why Say Yes to No Bounce?

• Mistakes are inevitable, overdrafts aren’t.

• Recent changes in governmental regulations require that we obtain your consent before providing overdraft protection on your ATM and one-time Debit Card transactions

• By saying Yes to No Bounce, you can be sure you’re protected.

How Can I be Sure I am Protected with MHV’s No Bounce Privilege?

• Be sure to see a Member Service Representative to ensure you are protected.

• Complete the simple enrollment form and if you are eligible, you’re in.

How Can I Avoid Overdraft Fees?

• Keep track of how much money you have in your account. MHV’s Internet Home Banking makes it easy.

• Record your ATM and Debit Card purchases in your checkbook register.

• Don’t forget about automatic bill payments you have set up for insurance, utilities and loan payments.

• Review your account statements each month. MHV’s e-Statements are available on the first of each month.