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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
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. However, you must opt in to utilize this protection on your everyday debit card and ATM transactions.
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. There is no fee to have Overdraft Privilege service on your account and no fee if you never use it. (If the service is used to pay an overdraft, standard overdraft fees may apply. 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 our Overdraft Privilege customers:
For personal accounts only, if you wish to keep your 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 currently includes debit card purchases and ATM withdrawals. If you do not choose to continue this service, overdrafts would not be paid on everyday debit card and ATM transactions and the transactions will be declined.
Checking Plus - Download brochure
- 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. Subject to credit approval.
- There is a $30.00 annual fee, but no transaction
fees.
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- 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.
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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.
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Important
Information About Procedures For Opening A New Account—
To help the government fight the funding of terrorism and money laundering
activities, Federal law requires all financial institutions to obtain,
verify, and record information that identifies each person who opens
an account. What this means for you: When you open an account, we will
ask for your name, address, date of birth, and other information that
will allow us to identify you; we may also ask to see your driver’s
license or other identifying documents.
FDIC Insurance:
Union Bank is a participant in the FDIC Transaction Account Guarantee Program. Click here for important information regarding FDIC Insurance. |
| ©2010 Union Bank & Trust Company. All Rights Reserved. MEMBER
FDIC. |
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