Business Overdraft Services

We offer two options for Business Overdraft Services.

Running a business can be unpredictable, and overdrafts can happen. We offer two ways to help manage them so you can choose what works best for your business. Review the options below to decide how you’d like us to handle transactions when your account doesn’t have enough funds. Please note, your selection doesn’t guarantee that a transaction will be paid, and fees or other costs may apply. You can update your preferences at any time.

Business Overdraft Privilege

This service comes standard with Flex Business Checking and Flex Business Checking Plus.

We may, at our discretion*, pay an item when the current balance¹ in your business checking account isn't enough to cover the item(s), resulting in an overdraft. However, we do not guarantee that an item presented for more than your business account's current balance¹ will be paid, resulting in the item being returned.

*Examples of when the bank may not pay an item at our discretion include when your account is not in good standing, when you are not making regular deposits to your account or when your account has too many overdrafts.

Overdraft Account Transfer

This is an optional service that allows you to link your business checking account to another Atlantic Union Bank checking, money market or savings account to help pay items that will overdraw your account. Funds are automatically transferred to your checking account from the account you designate, up to the available amount in your designated account. Because funds are transferred in the exact amount needed, there is no negative balance for you to repay.