Overdraft Services

Avoid the embarrassment of declined transactions

Prevent returned checks and declined card transactions.

We all lose sight of our account balance sometimes. Our Overdraft Services can help you avoid the inconvenience and embarrassment that come when you don't have the funds to cover your transactions.


We offer 4 options for overdraft coverage designed to cover accidental overdrafts when you write a check, make withdrawals at a branch or ATM or when you use your debit card.

  • Standard Overdraft Privilege
  • Opt-in Overdraft Privilege
  • Overdraft Account Transfer
  • Overdraft Line of Credit1
Standard Overdraft Privilege
Opt-in Overdraft Privilege
Overdraft Account Transfer
Overdraft Line of Credit1
How does it work? Comes with most accounts. The bank strives to pay your ACH, check and recurring debit card transactions when there is not enough money in your account. With your consent, the bank will strive to authorize and pay your ATM and one-time debit card transactions when there is not enough money in your account Funds are transferred from an account you designate to cover overdraft transactions Funds are transferred in $100 increments
Associated fee $38 per item2 $38 per item2 $12.50 $12.50
Maximum fees per day 6 overdraft or non sufficient funds fees 6 overdraft or non sufficient funds fees 1 transfer fee per day 1 transfer fee per day
What overdrafts are covered? Checks, ACH, recurring debit card transactions, etc. One-time debit card transactions and ATM transactions All items up to the available balance in the protector account All items up to the available credit amount in the protector account
Limitations All transactions are paid at the banks discretion3 All transactions are paid at the banks discretion3 Transfer amount is limited by the amount available in your protector account Overdraft line of credit is subject to credit approval

Fees may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means such as a debit card. Atlantic Union Bank does not authorize and pay overdrafts for ATM and one-time debit card transactions unless we receive authorization from you to opt in to that service.

Three easy ways to opt in or out of Overdraft Services

  1. Log in to Online Banking, click on Service & Support, and select Overdraft Elections from the menu
  2. Call Customer Care at 800-990-4828
  3. Visit a nearby branch
Disclosure:
¹Subject to approval.
2Non-sufficient funds and overdraft fees are not charged for items $1.00 or less or for items that cause an account balance to be overdrawn by $1.00 or less.
3Overdraft limits fluctuate based on account history and activity. A specific amount of coverage is not guaranteed.