Overdraft Privilege Learn More

At OneUnited Bank, we strive to pay checks and other transactions made using your checking account number and automatic bill payments when there are insufficient funds in your account with Overdraft Privilege. We can extend this valuable service to your everyday debit and ATM transactions, but, due to federal guidelines, we need your permission to do so.

Deciding whether to consent to extend Overdraft Privilege to everyday debit and ATM transactions is an important decision. We want to make sure you have all the information you need to make an informed decision.

Know Your Options

If you decide to consent:

You DO want us to try to cover your everyday debit card and ATM transactions when there are insufficient funds in your account.

You are willing to incur the fees that we’ve outlined for this service. You’ll only incur fees if we actually cover the overdraft for you. There’s no fee to consent to this protection.

If we cover your overdraft, you may be saved the frustration and embarrassment of having your card declined.

If you decide to not consent:

You do NOT want us to cover your everyday debit card and ATM transactions when there are insufficient funds in your account.

You will not be charged any overdraft fees for everyday debit card and ATM transactions.

Your transaction will be declined if there are insufficient funds.

Make A Selection | OneUnited Bank

Need Help Making a Decision?

We’ve created a website that includes tools to guide you through the decision making process and help you make the best choice for your lifestyle. Simply visit www.oneunited.com/OD.