Union Bank & Trust Checking Plans

Overdraft Privilege

Checking Plus

Automatic Account Transfers

Overdraft Privilege - Download brochure

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 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. However, you must opt in to utilize this protection on your everyday debit card and ATM transactions on your personal account.

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.

Download the brochure for complete details. If you feel you would not benefit from this service you may opt-out by contacting us at (402) 323-1777.

For personal accounts only, if you wish to have overdraft coverage on debit and ATM card transactions, you must opt in.

Your Union Bank & Trust checking account may have a special feature called Overdraft Privilege. This service may provide a safety net in the event there are not enough funds in your account at the time of your purchase. Overdraft Privilege does not include everyday debit card purchases or ATM withdrawals unless you ask us to; if you want us to authorize and pay overdrafts on these transactions, you may opt in by clicking the link above. If you do not choose to opt in to this service, overdrafts will not be paid on everyday debit card and ATM transactions and the transactions will be declined.

Checking Plus - Download brochure for further information regarding the program.

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

Automatically advances funds into your checking account, up to your approved credit limit.

Offers a minimum credit line of $1,000. Subject to credit approval.

There is a $34 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 18.00% 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
(402) 323-1777. Please contact us if we can explain anything further.

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