Union Bank & Trust Checking Plans

Overdraft Privilege

Checking Plus

Automatic Account Transfers

Overdraft Privilege - Download brochure | Nebraska | Kansas

Payment of overdrafts up to $800 will normally be considered on eligible personal checking accounts; up to $1,500 for eligible Business Checking accounts.

Fewer charges from retailers for returned checks!

Additional convenience and flexibility in managing your funds!

Less aggravation and embarrassment!

Have you ever run short of funds just before payday or when you have an unexpected expense? Union Bank & Trust now provides Overdraft Privilege Service. Available on personal checking accounts that are maintained in good standing, this service can allow you to overdraw your account up to $800 ($1,500 for eligible Business Checking accounts).

To qualify for the discretionary overdraft service you do not have to do anything special or sign any additional documents. If you never need or use the service, any and all bank fees and charges, as set forth in our fee schedules, for each item that would create an overdraft on your account. But, if you ever find yourself a little short of money, or have an unexpected financial need, we will consider as a courtesy, the payment of your overdraft items up to your assigned Overdraft Privilege limit. If you feel you would not benefit from this service you may opt-out by contacting us at (402) 323-1828.

Checking Plus - Download brochure | Nebraska | Kansas

Protects you against overdrafts and is a source of funds for large purchases or emergencies.

Automatically advances funds into your checking account in increments of $100, up to your approved credit limit.

Offers a minimum credit line of $1,000.

There is a $28.00 annual fee, but no transaction fees.

Repayment is easy with an automatic charge of 1/20th of the outstanding balance ($15 minimum), plus interest. Or, you can pay the entire balance at any time.

The Annual Percentage Rate is calculated from the date you access funds from the line-of-credit.

Provides you the opportunity to establish future credit and build a solid credit rating.

Automatic Account Transfers
Avoid overdraft fees by signing up for our Automatic Account Transfer service. When an overdraft occurs, funds will be automatically transferred from another checking or savings account. Automatic transfers are made in increments of $100. For manual transfers, please contact a Personal Banker.

If you have any questions about any of our Overdraft Protection services, please contact a Personal Banker, or call 800-297-2837, or in Lincoln at 323-1777. Please contact us if we can explain anything further.