This is a special overdraft privilege for checking customers. Having a check returned due to insufficient funds can be a costly and humiliating experience. That’s why we provide "Bounce Protection", a special overdraft privilege for the State Bank of Cerro Gordo's checking customers. "Bounce Protection" gives you an extra level of protection against unanticipated cash flow emergencies and account reconciliation errors. At the State Bank of Cerro Gordo, we do not encourage overdrafts. As always, we encourage you to manage your finances responsibly. The purpose of this privilege is to save you from the embarrassment, additional merchant fees or other problems that might result if a check is returned. You may opt out of "Bounce Protection" Please call the bank for details regarding an opt out process.