b'How do I know when I use the overdraft limit? You will receive an overdraft notice each time items are paid, including fees. You will need to subtract the total fees when balancing your checkbook.We have no obligation to notify you before we pay or return any item. The amount of any overdraft including our Overdraft Item Charge and Bounce Protection Fee of $35 and/or an Insufficient Funds Charge of $35 that you owe us is due and payable upon demand even if we do not ask you for payment. You must repay us no later than 30 calendar days after the creation of the overdraft. If there is more than one owner on the account, each owner and agent, if applicable, shall be jointly and severally liable for all overdrafts including all fees charged. How soon can I use my Bounce Protection? Bounce Protection is provided immediately at account opening and is available the next business day. It may continue to be available provided you maintain the account in good standing as defined in this brochure. What are some other ways I can cover overdrafts at CNB?The best way to avoid overdrafts and fees is to keep track of your account balance by entering all checks, debit card purchases and ATM withdrawals in your check register, reconcile your check book regularly and manage your finances responsibly. Other suggestions may be found at www.cnb.bank (Checking Navigator), www.fdic.gov/moneysmart and www.consumerfinance.gov/.Ways to cover overdraftsExample of Associated Rates at CNB Bank and Fees 1Good account$0managementLink to savings account or$5.00 transfer fee 2checking accountOverdraft Item Charge and Bounce Protection Bounce Protection Fee of $35 3for each item1This information is effective as of March 2020 and is provided as examples. 2The number of transfers allowed from a savings account each month may be limited and additional fees / consequences for exceeding this limit may apply. 3In addition, a continuous overdraft fee of $5 will be charged each day the account remains overdrawn for 5 or more consecutive business days. Please ask us about our current specific products, rates and fees.What if I do not want to have Bounce Protection on my account? If you would like to revoke your previous authorization for ATM and debit card transaction coverage, or have this service removed entirely from your account, please call 304-258-1520.While you may opt out of the privilege at any time, you are responsible for any overdrawn balances at the time of opting out.'