Overdraft Protection Solutions

Helping you manage the unexpected

Prevent returned checks and declined debit card transactions.

All businesses have cash flow fluctuations. Our Overdraft Protection Solutions can give you the peace of mind of knowing that your transaction will be covered should an overdraft occur.


As a business owner, you have to deal with cash flow fluctuations, and occasionally, you may write a check or use a debit card when there are not enough funds in your checking account. Atlantic Union Bank’s overdraft protection solutions can give you the peace of mind of knowing that your transaction will be covered should an overdraft occur.

What is overdraft protection?

Overdraft protection options cover your business checking account transactions should your checking account become overdrawn.

Overdraft Protection options

Business Overdraft Privilege

This discretionary program is included with certain types of business accounts (see the chart below). While the program is a default for these business accounts, customers can opt-out. With Business Overdraft Privilege, the bank will consider paying any transaction, including ATM and debit card transactions against non-sufficient funds. However, the decision is completely at the bank’s direction, which means we do not guarantee that we will authorize and pay any type of transaction. If we do not authorize an overdraft, the transaction will be declined.

Overdraft Account Transfer

This is an optional overdraft protection program that allows you to link your primary business account to another checking, money market or savings account to cover insufficient funds if an overdraft occurs. The secondary account must contain the available funds to make the transfer.

Business Overdraft Line of Credit

This is an optional overdraft protection program that allows you to use a line of credit to cover insufficient funds if an overdraft occurs. Since Business Overdraft Line of Credit is a credit product, customers are subject to credit underwriting guidelines.

Learn more about each solution and choose the one that works best for you. You can change your overdraft protection option at any time by calling Customer Care or visiting a branch.

To help you better understand the overdraft protection options available to you, please view the Business Overdraft Protection Solutions chart below.

   Business
Overdraft Privilege

Overdraft
Account Transfer

Business Overdraft
Line of Credit
What fees apply? $36 per item $12.50 per transfer $12.50 per transfer;
fixed 18.00% APR
How many fees can be charged in one day? There is no limit on the number of fees that can be assessed in one day 1 transfer fee per day
Transfers are made in the exact amount of the overdraft
1 transfer fee per day
Transfers are made in $100 increments
What accounts are eligible? The following business checking accounts are automatically enrolled:
Free Business Checking
Small Business Checking
Business Checking
Business Interest Checking
Any business that maintains another qualified Atlantic Union Bank business account.

Transfer amount is limited by available balance in the account
Overdraft Line of Credit is a credit service and subject to credit approval
What are the benefits?
  • Avoid additional fees related to returned checks
  • Help cover the unexpected and allows ATM withdrawals or debit card purchases to be approved
  • It’s easy! Funds are automatically transferred 
  • The most economical overdraft solution
  • It’s easy! Funds are automatically transferred
  • Minimum payment amount of 5% of balance or $20, whichever is greater
  • Line amounts up to $10,000

Get Started

To learn more about how best to manage your business checking account’s available balance and explore the business overdraft plan available to you, contact your business banker, visit a branch, or call us.