Overdraft Services

Avoid the embarrassment of declined transactions

Prevent returned checks and declined card transactions.

We all lose sight of our account balance sometimes. Our Overdraft Options can help you avoid the inconvenience and embarrassment that come when you don't have the funds to cover your transactions.


We offer 3 options for overdraft coverage - Overdraft Privilege, Overdraft Transfer or Overdraft Line of Credit. They're designed to cover accidental overdrafts when you write a check, make withdrawals at a branch or ATM or when you use your debit card.

Overdraft Privilege
Overdraft Transfer
Overdraft Line of Credit
How does it work? At our discretion, we may authorize and pay overdraft transactions. Funds are transferred out of your designated account to cover overdraft transactions Line of credit covers overdraft transactions.
Associated fee $36 $10 $10
Availability At our discretion, we may authorize and pay overdraft transactions not to exceed 6 per business day Transfer amount is limited by available balance in your account(s) Overdraft line of credit is determined by creditworthiness
Benefits
  • Reduces additional charges related to returned checks
  • Automatically transfers overdrawn amounts to your checking account
  • Lower cost than overdraft privilege
  • Automatically transfers overdrawn amounts from your line of credit to your checking account
  • Lower cost than overdraft privilege
  • Fixed interest rate

Fees may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means such as a debit card. Union Bank & Trust does not authorize and pay overdrafts for ATM and one-time debit card transactions unless we receive authorization from you to opt in to that service.

Access our opt-in form.