Personal Banking
Personal Banking

Overdraft Line of Credit

Union’s Overdraft Line of Credit is a personal line of credit available for qualified checking customers. It can be used to cover special purchases, bills, or emergencies and acts as a nice safety cushion against accidental overdrafts.
How it works:
Once you qualify, Union will automatically transfer funds for your overdraft line of credit into your checking account on an as-needed basis in increments of $100. The overdraft line of credit can save you money since the $10 fee is only charged for each transfer (not for each check or other item that resulted in that transfer).   
Convenient Repayment:
Since this is a line of credit, you can choose whether to:
  • Pay off the entire amount
  • Make a minimum payment
The overdraft line of credit comes with a fixed interest rate, and we have additional options for customers who do not qualify for a line of credit.
Have a question about overdrafts? Want to compare the other options we offer?
Take a look at our brochure for more information.
Union teammates can help answer your questions and walk you through an Overdraft Line of Credit application.  Why not come into one of our conveniently located branches today?


Union Bank & Trust
Mailing Address:
P.O. Box 940
Ruther Glen, VA 22546