Your card was recently declined. Here’s how to make sure that doesn’t happen again — the choice is yours.
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Review My Options
When your debit card or ATM transaction is declined, it’s because your account didn’t have enough funds — and right now, your account isn’t set up to cover that gap. b1BANK offers Courtesy Coverage Plus, which can keep your card working even when your balance runs short. See what it covers, what it costs, and whether it’s right for you.
See How It Works
Two options. You pick the one that fits.
Option 1 — Add Coverage (Opt In): Your everyday debit card and ATM transactions will go through even when your balance runs short. Fees only apply when we actually cover the shortfall — there’s no charge to opt in..
$35 per covered item
No fee on transactions of $10.00 or less
Overdraft fees capped at $175 per day on consumer accounts
Option 2 — Keep Current Settings (No Change): Your debit card and ATM transactions will be declined if you don’t have enough funds. No overdraft fees will be charged on those transactions.
Either way, you’re in control. You can change your preference at any time by calling us or visiting any b1BANK branch.
