Overdraft Protection Services

Determine the right coverage for you.

Accidentally write a check without the proper funds in your account to cover it? It's easy to lose track of the balance of your account when life gets hectic. Our courtesy Overdraft Protection may help you avoid an uncomfortable situation. Need a little extra coverage? We have a number of additional overdraft protection options so you don't find yourself in a bind.

Courtesy Overdraft Coverage

Coverage comes standard for eligible United Community personal checking accounts¹.

Each occurrence is $36 per item³. Your daily overdraft charges are limited to a maximum of three (3) fees per day.
Types of transactions covered
- Checks
- Other debit payments

Courtesy Overdraft with ATM and Debit Card Coverage

Optional coverage added to Courtesy Overdraft that covers overdrafts for everyday debit card transactions.²

Each occurrence is $36 per item³. Your daily overdraft charges are limited to a maximum of three (3) fees per day.
Types of transactions covered
- Checks
- Other debit payments
- ATM withdrawals
- Everyday debit card transactions

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Overdraft Protection Transfer

Optional coverage that allows you to link your account to another United Community savings⁴ or checking account, money market or a line of credit⁵ that will be used to cover overdrafts.

Overdraft Protection Transfer: $7.50 per occurrence. Standard overdraft fees apply for overdrawn payments beyond your available balance.
Types of transactions covered
- Checks
- Other debit payments
- ATM withdrawals
- Everyday debit card transactions

We pay overdrafts based on our standard overdraft policy. We do not guarantee that we will always pay any overdraft transaction.

²Courtesy Overdraft with ATM and Debit Card Coverage is a discretionary service. We do not guarantee that we will always pay any overdraft transaction. Customers must opt in to authorize us to pay overdrafts on ATM and everyday debit card transactions. Customers may also choose to opt out of the Courtesy Overdraft Program. United Community Bank may pay overdrafts at our discretion and reserves the right to terminate this service at any time.

³You are required to pay a $36 overdraft fee for each overdraft transaction that is paid by the bank. There is a limit of $108 each day in total fees that you can be charged for overdrawing your account. We will not charge you a Returned Item Fee for items presented against insufficient funds in your account and returned unpaid. 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 into this service for those transactions. Reimbursement of overdraft coverage payments must be 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.

⁴Transaction restrictions may apply. See account agreement disclosures for details.

⁵Subject to credit approval. Other restrictions may apply.