The Pataskala Banking Company

 

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Other Services

Check Imaging

The Pataskala Banking Company is leading the way by being among the first banks in the area to offer Check Imaging. As part of this cutting-edge technology, customers receive a digital image of checks in place of a cumbersome stack of canceled checks, making it easier for customers to balance checking and payroll accounts, to simplify record-keeping, and realize savings in both time and money. Imaged checks, printed up to 36 per a standard letter-size sheet of paper, are legally accepted copies of actual checks and are accepted by the IRS, the State of Ohio, and the Federal Reserve System, among others, as proof of payment.

We will even be able to provide you a CD with your check images for a small fee. You will be able to put the CD in any computer, with Windows 95 or higher, and look at the image of your checks. Just think of it, no more storing stacks of papers for years, your records can be stored on a thin CD and readily available.

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Introducing BOUNCE PROTECTION for personal accounts.
a special overdraft privilege for Checking!

What is Bounce Protection®?
Bounce protection is an overdraft privilege requiring no action on your part. You do not have to sign anything. Your overdraft privilege (Bounce Protection limit) amount will be automatically assigned. How does Bounce Protection® work? As long as you maintain your account in good standing (defined as making regular deposits and bringing your account to a positive balance at least once every 30 days) The Pataskala Banking Company may honor overdrafts up to the Bounce Protection® limit on your account. If you use Bounce Protection®, you should remember the bank’s normal insufficient (NSF) fee for each transaction will be deducted from your limit. As in the past, the bank will notify you by mail when an overdraft occurs. No interest will be charged on the overdraft balance.
How do I know when I use the overdraft limit?
You will receive an overdraft notice in the mail each time items are paid. The notice will show the check number, amount and the NSF fee. You should subtract total fees from your checkbook. Remember, the fee for paying an item is the same as for returning one. I have two checking accounts. Can I get Bounce Protection® on both? Yes. If you have multiple accounts for your household, you may have a limit on all eligible accounts.
What if I go beyond my Bounce Protection® limit?
Overdrafts above and beyond your established Bounce Protection® limit may result in a check or checks being returned to the payee. The normal NSF fee will be charged per check and assessed to your account. An NSF notice will be sent to notify you of our actions.
What are some of the ways I may have access to Bounce Protection®?
Generally, you may access your Bounce Protection through:
  • Checks and other debits cashed at teller windows
  • ACH debit transactions
  • Checks issued to a third party
How quickly must I repay my Bounce Protection®?
You should make every attempt to bring your account to a positive balance within 30 days. If you are not able to do so, you will receive a letter from The Pataskala Banking Company informing you of the situation and your options. If, after a period of time, your account has not been brought into a positive balance, we will have no option but to close your account and take other steps to recover funds.
What does my Bounce Protection® privilege cost?
There is no additional cost associated with this privilege if you bring your account to a positive balance once every 30 days. As stated previously, you should keep in mind that you will be charged an NSF fee for each check paid under the limit.
How soon can I use my Bounce Protection®?
If you are a new active account holder, you will be able to use the overdraft privilege immediately.

What is my Bounce Protection® limit?
To find your Bounce Protection limit, simply locate your account type in the listing below:
  • IDeal Checking Plan A...$400
  • Interest Checking Plan B...$300
  • eChecking Plan C....... $300
  • Money Market Check Saver...$500


  • Additional questions?
    If you have additional questions or would like more information, call or come by any of our branch locations.

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