There are several strategies to assist you in avoiding overdraft charges. A key component is awareness. Keeping an eye on your account will not only help you to avoid overdraft fees; it is helpful in noticing fraudulent activity that may have taken place on your account. Review the options below to see which will work best for you. If you need help with setting up these services, call or chat with our Customer Support Team or visit any of our branch locations.
Stay Connected to your accounts with UBTgo
Enroll in Online Banking for real-time account balance, transaction details and transfers. You'll have access to our suite of tools to help you pay your bills, be alerted of account activity, pay friends and bank from your phone.
Watch the Online Banking Demo
Once you are enrolled in Online Banking, you can set up e-Alerts for your accounts. These alerts can be delivered via email or text message and can be customized to suit your needs.
We have mobile banking options no matter what kind of phone you have. For smartphone users, our UBTgo Mobile App has features like Mobile Deposit, Instant Balance (the ability to check your balance without logging in) and Mobile Transfers make it easy to stay on top of your account. If you're enrolled in Online Banking, simply download the UBTgo app and login using the same username and password you use online.
For non-smartphone users, you have the option to get quick account and transaction information using Text Banking. Enroll through Online Banking and then finish setup using the text feature of your phone. We also have TeleBank available. This tool allows you to call in and use dial commands to get your account balance, review transactions and transfer money.
Our website also has helpful information to help you get started with setting budgets, understanding your credit and saving for the future. Find this information in the Managing Your Money section of the blog, the Education tab and on the resources area of this page.
Extra Peace of Mind
We have two options that can help you avoid overdraft fees when a mistake happens.
When an overdraft occurs, funds will be automatically transferred from another checking or savings account. Automatic transfers are made in increments of $100 up to the amount of funds available to transfer, for $3 per transfer. You may always initiate a transfer yourself, either through online banking or a teller, with no fee. Sign up in a branch or by calling Customer Support.
This line of credit can be used to protect you against overdrafts or as a source of funds for large purchases or emergencies. Funds automatically advance into your checking account, up to your approved credit limit. When you use the line of credit, repayment is easy. You'll automatically be charged 1/20th of the outstanding balance ($15 minimum), plus interest. Or pay the entire balance at any time. This line of credit has a $34 annual fee and 18.00% Annual Percentage Rate calculated from the date you access funds from the line of credit. There are no transaction fees. See more details here.
For Automatic Account Transfers and Checking Plus, if sufficient funds are not available to transfer or advance, standard overdraft fees will apply.
Overdraft Your Account Today?
You have until the end of the business day to make a deposit to avoid incurring the fee. The cut-off times are dependent on which type of deposit you make. You can make a deposit in the branch prior to the closing (see our locations page for hours of your local branch), over the phone or using UBTgo. If your overdraft occurred on a weekend, make a deposit prior to the end of business on Monday.
Getting your account positive as soon as possible will help you to avoid additional NSF charges for automatic payments that may be coming out of your account. If your account is overdrawn for 5 consecutive days, you will be assessed a $25 Continuous Overdraft fee. If your account remains overdrawn, a $25 fee will be charged every 5th business day.
Alternative Account Options
Our Secured Credit Card is another option with no overdraft fees. When used responsibly, it can also help you build credit history.
Secured Credit Card