At United Bank, our mission is to provide financial solutions while building a relationship of integrity and trust with our customers. Our customers' needs vary, and sometimes we can all come up short on cash, creating a non-sufficient funds scenario that results in an overdraft.
Overdraft service should not be viewed as an encouragement to overdraft your account, and we encourage customers to manage their finances responsibly. We structure our Overdraft Services to provide you with options, thereby giving you the choice on how your Overdrafts are handled.
Here's some helpful info to help you avoid overdrafts and the fees that can occur:
Keeping accurate personal records of your transactions is the best way to be certain of your account balance. This is important not only to avoid overdrafts but also to help manage spending and ensure against fraud (someone else using the account without permission).
Be aware that account transactions – checks, ATM withdrawals and debit card purchases – may be presented to an account at different times during the day.