See also our Personal Accounts & Services Disclosure and Agreement and Personal Accounts Fee Schedule for more information.īy clicking on the link below, you will leave the Union Bank website and enter a privately owned website created, operated, and maintained by another unaffiliated business. Union Bank Debit Card Overdraft Coverage - we may cover your ATM withdrawals and one-time debit card purchases (at our discretion) when there is not a sufficient Available Balance in your account.Standard Overdraft Coverage - we may cover your checks, automatic bill payments, and other transactions (at our discretion) when there is not a sufficient Available Balance in your account. It’s also possible that the person or company you were trying to pay may charge you additional fees. In some cases, you may still be charged an Overdraft Fee even if the transaction is not paid. With Overdraft Coverage, we may pay your transactions and charge you an Overdraft Fee for each Debit paid. Cash Reserve Account - link your Cash Reserve Account to your checking account and funds will be automatically moved to cover Debits when there is not a sufficient Available Balance in your account.Overdraft Protection Linked to a Union Bank Credit Card - link your Union Bank Credit Card to your checking account and funds will be automatically moved to cover Debits when there is not a sufficient Available Balance in your account.Deposit Overdraft Protection - link your eligible checking, money market or savings account to your checking account and funds will be automatically moved when there is not a sufficient Available Balance in your account.An overdraft is avoided and there is a single fee each day a transfer or credit line advance is made – no matter how many Debits were paid. With Overdraft Protection, you authorize us to move funds from your eligible deposit account, or credit line to pay the Debit. Overdraft services that protect you against overdrafts (Overdraft Protection) may be less costly than services that may charge you an Overdraft Fee for each Debit we pay (Overdraft Coverage). Union Bank provides several services for Overdraft Protection and Overdraft Coverage to help you avoid returned transactions and other added fees.
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