Overdraft Services

This service comes standard with most checking accounts^*. We may, at our discretion**, pay an item when the current balance¹ in your checking account is not enough to cover the item(s), resulting in an overdraft. 

If we do not pay the item, it is returned unpaid and no fee is assessed. However, the merchant may assess you a return fee. 

What is covered?

• Checks
• Automatic bill payments (ACH)
• Recurring debit card transactions
• Other transactions that use your checking account number

This service doesn’t cover one-time debit card and ATM transactions. If you want us to consider authorizing overdrafts on those transaction types, refer to the Opt-In Overdraft Privilege section below.

How much does it cost?

• $35 overdraft fee each time we pay an overdraft
• Maximum of 4 overdraft fees per day
• You are expected to repay a negative balance in your account right away
• An overdraft fee is assessed when your current balance¹ is not enough to cover an item at the time we pay it

When is an overdraft fee not assessed?

When an item is $5 or less or for items that will cause your current balance¹ to be overdrawn by $5 or less.

Can I opt out?

Yes. You can remove this service at any time for checks, automatic bill payments and other transactions made using your checking account number. Removing this service does not stop the payment of recurring debit card transactions, such as when you authorize a streaming service to debit your checking account each month. This is because you pre-approved those transactions with the merchant. In this situation, if there are not enough funds in your account during nightly processing to cover the transaction, an overdraft fee may be assessed.

If you choose to remove Standard Overdraft Privilege, you also opt out of Opt-In Overdraft Privilege. To opt out,

• Call Customer Care at 800.990.4828
• Visit a nearby branch

^*This service is not available with PRISM Checking accounts.
^**Examples of when the Bank does not pay an item at our discretion are when your account is not in good standing, or when you are not making regular deposits to your account, or when your account has too many overdrafts.

This service is optional and requires your enrollment or "opt-in". Your enrollment decision for Opt-In Overdraft Privilege determines how we handle your ATM and one-time debit card transactions on eligible checking accounts.*

If you enroll in Opt-In Overdraft Privilege, in addition to the transaction types covered by Standard Overdraft Privilege (see above), we may, at our discretion**, authorize one-time debit card and ATM transactions when your available balance² at the time of the transaction(s) is not enough to cover the transaction amount(s). If we do not authorize a transaction, your transaction is declined and no fee is assessed. If we do not authorize a transaction, your transaction is declined and no fee is assessed. 

What is covered?
In addition to the transaction types covered by Standard Overdraft Privilege service (refer to section above):

• ATM transactions
• One-time debit card transactions

How much does it cost?

• $35 overdraft fee each time we pay an overdraft
• Maximum of 4 overdraft fees per day
• You are expected to repay a negative balance in your account right away
• An overdraft fee is assessed when your current balance¹ is not enough to cover an item at the time we pay it

When is an Overdraft Fee not charged?

• When a transaction is $5 or less or for items that will cause your current balance¹ to be overdrawn by $5 or less
• When your transaction is declined at the time you attempt the transaction
• When an ATM or one-time debit card transaction that is authorized when your available balance² is sufficient, even if your current balance¹ becomes negative when we pay the transaction during our nightly processing

Can I opt out?

Yes. You can opt out at any time. To opt out:

• Log in to Online Banking or our Mobile Banking app, visit the Service Center and select Personal Overdraft Election
• Call Customer Care at 800.990.4828
• Visit a nearby branch

^*This service is not available with PRISM Checking accounts.
^**Examples of when the Bank does not pay a transaction at our discretion are when your account is not in good standing, or when you are not making regular deposits to your account, or when your account has too many overdrafts.

Link your checking account to another Atlantic Union Bank account, such as a savings account, to help pay items that will overdraw your account.

How does it work?
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.

What is covered?

• Checks
• Automatic bill payments (ACH)
• Recurring debit card transactions
• One-time debit card transactions
• ATM transactions
• Other transactions made using your checking account number

How much does it cost?
No overdraft fees are assessed as long as there are sufficient funds in your designated account to cover an overdraft. And there is no charge for a transfer to cover an overdraft. However, transfers from a personal savings account to cover an overdraft in another account are subject to the excessive transaction activity fee, which is disclosed in your personal savings account truth-in-savings disclosure.

How do I request this service?
Talk to your Banker to add this service.

How do I remove this service?
You can request to remove this service at any time by visiting a nearby branch.

Link your checking account to a personal line of credit to help pay items that will overdraw your account. A line of credit requires an application and is subject to credit approval.

How does it work?
Funds are automatically transferred to your checking account from a personal line of credit. Money is advanced from your line of credit in $100 increments, up to the available credit amount. The amount transferred from your line of credit is considered an advance, which you must repay, plus a finance charge.

What is covered?

• Checks
• Automatic bill payments (ACH)
• Recurring debit card transactions
• One-time debit card transactions
• ATM transactions
• Other transactions made using your checking account number

How much does it cost?

• No overdraft fees are assessed as long as there are sufficient funds in your designated line of credit to cover an overdraft.
• You can pay off the entire balance or make minimum monthly payments.
• The Annual Percentage Rate (APR) is 18.00% in Virginia, Maryland and the District of Columbia; 16.00% in North Carolina.^*

How do I request this service?
Talk to your Banker to add this service.

How do I remove this service?
You can request to remove this service at any time by visiting a nearby branch.

^*See your Banker for more details. Rates are in effect as of 2/26/2026. Credit Approval Required. Terms and Conditions Apply.