Overdraft Services

This service comes standard with most checking accounts^*. We will consider paying items, at our discretion^** and for a fee, when your account balance at the time of settlement is not enough to cover them. If we do not pay the item, it is returned unpaid and no fee is charged. However, you may be charged a returned fee by the merchant. We do not guarantee an item presented for more than the current balance in your account will be paid.

What is covered?
Checks, automatic bill payments (ACH), recurring debit card transactions, and other transactions that use your checking account number.

What is not covered?
One-time debit card and ATM transactions

For information regarding authorization or payment of overdrafts for these transactions, refer to the Opt-In Overdraft Privilege section below.

How much does it cost?

• $35 Overdraft Fee for each paid item.
• Maximum of 4 Overdraft Fees per day. 
• You are expected to repay a negative balance in your account right away.

When is an Overdraft Fee not charged?
When an item is $5 or less or when the item overdraws your account 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 because you pre-approved those transactions with the merchant.

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 requires your enrollment or opt in^*. We will consider authorizing one-time debit card and ATM transactions, at our discretion^** and for a fee, when your available balance at the time of the transaction is not enough to cover them. If we do not authorize a transaction, your transaction is declined and no fee is assessed. We do not guarantee a transaction will be authorized if presented for more than the available balance in your account.

What is covered?
One-time debit card and ATM transactions

What is not covered?
Checks, automatic bill payments (ACH), recurring debit card transactions, and other transactions made using your checking account number.

How much does it cost?
 

• $35 Overdraft Fee for each paid transaction.
• Maximum of 4 Overdraft Fees per day. 
• You are expected to repay a negative balance in your account right away.

When is an Overdraft Fee not charged?
 

• When a transaction is $5 or less or when the transaction overdraws your account by $5 or less.
• When your transaction is declined at the time you attempt the transaction.
• If your balance was sufficient when your transaction was authorized but your account becomes overdrawn when the transaction settles, you are not charged an Overdraft Fee.

Can I opt out?

Yes. You can opt out at any time. If you opt out of Standard Overdraft Privilege, you also opt out of Opt-In Overdraft Privilege. 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.