Courtesy Overdraft Service

It's easy to forget to record a check or debit card transaction. Because of this, we offer courtesy overdraft service1 which may help you avoid an embarrassing situation. You'll also avoid added fees such as returned merchant check and late fees.

Get Started

No application is necessary and you ONLY pay for the service if you use it. When you open a qualifying personal checking account you will be notified when your account becomes eligible for courtesy overdraft service.

This service will only cover transactions such as checks and ACH debits – not ATM or debit card transactions. If you would like courtesy overdraft service for your ATM/debit card transactions, please agree to the terms below.

United Community Bank encourages you to always keep your checking account balanced and avoid writing checks or using your ATM/debit card if your purchases cannot be covered. However, mistakes do happen, so consider opting-in to avoid any embarrassment or extra fees.


Do you want United Community Bank to cover overdrafts on your personal checking account ATM/Debit card?

You must Opt in to continue using this service.

If you are currently a courtesy overdraft customer and want to discontinue the service you can Opt-out now.

Not sure if you have this service? - contact your local bank office

Tools with You in mind! FREE tools to help you manage your account effectively and efficiently!

With personal online banking service, you can take advantage of mobile banking and alert messages to help you keep track of your account transactions and balances while on the run! You can even receive personal alert messages sent to your email or mobile phone to stay on top of your account activity. Avoid overdrafts and returned item fees – sign up today!

Personal Alert Messages2

Account updates are only as far as your mobile phone or e-mail. Enroll today in personal online banking to begin using mobile banking and alert messages. Learn More!

Mobile Banking and Alert messages2

Transfer money on the go to help avoid getting declined at retail locations or ATMs. Mobile Banking is free to all Personal Online Banking customers. Enroll today in personal online banking to begin using mobile banking and alert messages.

Online Banking

Monitor your account balance, transfer funds, and more. Enroll in Online Banking to begin using mobile banking and alert messages.

Money Basics

Click here to learn account management tips for your whole family!

1 United Community Bank may pay overdrafts at our discretion and reserves the right to terminate this service at any time. You are required to pay a $36 overdraft fee for each overdraft transaction that is paid by the bank. The maximum charge per day will be eight fees ($36 per fee). Items not paid will be returned and you will incur a $36 non-sufficient funds (NSF) fee. Overdraft service applies to checks, pre-authorized electronic debits and online banking and bill payment transactions. Additionally, ATM withdrawals and one-time debit card transactions are covered if you choose to opt in to this service for those transactions. Reimbursement of overdraft coverage payments must me made promptly by making a deposit in your account. Overdraft items are generally not covered for accounts that are not in good standing, do not have regular deposits, or those with excessive overdrafts.

2 Standard charges from your mobile device carrier apply for text messaging and data usage. Please check with your mobile carrier for details.