When an item presented at the teller window invokes the Bounce Protection limit, a policy message is displayed in Vertex. The message, which requires a teller override, states:

bounce protection. xxxxxxxxxx d avail bal is exceeded.

The teller then informs the client (only if the client at the window is the owner of the account) that the item will pay within the BP limit and an overdraft fee will be assessed to the account. The account owner can cancel or delete the transaction if he/she does not wish to invoke the Bounce Protection limit. 

Best Practice: When the teller communicates to the client that if they choose to proceed with the transaction an overdraft fee will be assessed to their account, they should also verify that the client does not have any additional items in memo-post. These pending items could create a "domino-effect" of OD fees when all items post. These pending items and potential for multiple OD fees, if applicable, this should be mentioned to the client before proceeding.