skip to main content
Bank Security  |   Forms   |   Rates   |   About Us  |   Locations   |   Contact   |   Disputes
(636) 583-2555

ONLINE BANKING

Reg E Overdraft

Important Notice

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?
We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

  • ATM Transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if United Bank of Union pays my overdraft?
Under our standard overdraft practices:

  • We will charge you a fee of up to $30 each time we pay an overdraft.
  • There is a daily limit of $200 on the total fees we can charge you for overdrawing your account.

What if I want United Bank of Union to authorize and pay overdrafts on any ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, please call a New Accounts representative at 636‐583‐2555, visit one of our three branch locations or complete the application form below.
Form temporarily disabled.


Accounts That Fit You

We have accounts catered to any stage of your life.

Home Loans

Let us help you purchase the home of your dreams.

Online Banking

MyBanking online brings banking to you, 24 hours a day, wherever there is internet access.