Union Bank
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Overdraft Privilege

Union Bank’s Overdraft Privilege is a service included with your checking account. With Overdraft Privilege, we authorize and pay overdrafts up to your assigned overdraft limit for the following types of transactions:

Note: Union Bank pays overdrafts at our discretion, which means that we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize to pay an overdraft, your transaction will be declined.

Under our standard overdraft practices:


If you would like to discuss Overdraft Privilege, opting into or out of authorizing ATM & debit card transactions, or overdraft protection plans such as a link to a savings account or overdraft lines of credit (which may be less expensive than our standard overdraft practices), please call our Customer Care team at 800.753.4343 or stop by your local branch.