Overdraft Solutions

Protection against an overdrawn account

We understand mistakes happen, so we offer overdraft solutions to fit your needs.

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  Overdraft Prevention Overdraft Protection
Product UBTgo services, including Online Banking, Alerts, and Mobile Banking Automatic Funds Transfers Checking Plus Overdraft Privilege
Details Prevent overdrafts by keeping an eye on your account using our digital tools. Automatically transfer funds from another UBT deposit account. A line of credit which offers protection against overdrafts, and a source of funds for larger purchases or emergencies. Subject to credit approval. Rather than automatically returning any insufficient funds items that you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts.
Fees and Costs Message and data rates may apply.

$3 per transfer*

 

$34 annual fee and 18.00% Annual Percentage Rate calculated from the date you access funds from the line of credit.

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.

 

$34 NSF Paid or Returned Item Fee (maximum of 5 per day).

$25 Continuous Overdraft Fee will be charged every 5th consecutive business day the account remains in overdraft status.

Exceptions   If funds available for transfer do not sufficiently cover the amount of overdraft, the Applicable Fees as described in the Overdraft Privilege Service Description will apply. If funds available for transfer do not sufficiently cover the amount of overdraft, the Applicable Fees as described in the Overdraft Privilege Service Description will apply. See the Overdraft Privilege Service Description.
Transfer Increments Not applicable Funds are automatically transferred from another checking or savings account, in $100 increments up to the amount of funds available for transfer. Automatically advances funds into your checking account in increments of $200, up to your approved credit limit. Not Applicable.
Does my coverage include ATM and debit card transactions? Not applicable Yes Yes For personal accounts, only if you authorize us. See the Overdraft Privilege Opt-in below for more details. This coverage is included for applicable Business Accounts.
How do I enroll? Enroll online, sign up in a branch or call Customer Support at 800.297.2837. Sign up in a branch or call Customer Support at 800.297.2837. Apply at any branch location or call 888.828.4450. This service is automatically available to customers who maintain their checking account in good standing.
Can I cancel? You may cancel at anytime. You may cancel anytime. Stop by a branch or by calling Customer Support at 800.297.2837. You may cancel anytime. Stop by a branch or by calling Customer Support at 800.297.2837. You may cancel Overdraft Privilege Service by stopping by any of our branch locations or calling Customer Support at 800.297.2837.

*Applies to automatic transfers into your account from another Union Bank account. The fee does not apply to reoccurring transfers, transfers via Online Banking, Mobile Banking, Telebank, Customer Support Team, at a branch or ATM.

Overdraft Protection

Opt-In to Overdraft Privilege

If you'd like overdraft coverage on your everyday debit and ATM card transactions, simply opt in. You can also stop by any branch. 

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