Business Overdraft Services and Choices

Business Overdraft Protection and Overdraft Coverage

Overdraft Protection: May help prevent your business account from becoming overdrawn by moving funds from your eligible business deposit account or business line of credit.

Overdraft Coverage: We may cover eligible Debits when you don't have enough money in your eligible business deposit account(s) below.

Call us at 1-877-671-6877 or visit your nearest branch, and let us help you choose the overdraft service that's right for you.

Business Account Overdraft Choices	Overdraft Protection	Overdraft Protection	Overdraft Coverage
How it works	Business Deposit Overdraft Protection Link your eligible Business Checking, Business MoneyMarket, or Business Savings account to your Business Checking account, and funds will be automatically moved to cover Debits when there is not a sufficient Available Balance in your account. Fees may apply.	Business Line Overdraft Protection (subject to credit approval) Link your Business Line of Credit account to your eligible Business Checking account and funds will be automatically moved to cover Debits when there is not a sufficient Available Balance in your account. Fees may apply.	Overdraft Coverage We may cover your checks, automatic bill payments and other transactions (at our discretion) when there is not a sufficient Available Balance in your account. Fees may apply.
Eligible accounts	Business Checking accounts Business MoneyMarket accounts Business Savings accounts	Business Checking accounts	Business Checking accounts Business MoneyMarket accounts
Fees	$10 Daily Transfer Fee for all Business Checking, MoneyMarket, and Savings accounts except for Bank Freely^TM Business checking that has a $0 daily Transfer Fee. Other Overdraft Fees may apply.	$10 Daily advance fee	$0 Annual Fee $33 Overdraft Fee per debit we pay or return (daily maximum $198) Additional fees of up to $35 No fee for declined ATM or debit card transactions
Eligible Transactions	Checks Automatic/recurring debits Online bill payments ATM withdrawals Debit card purchases	Checks Automatic/recurring debits Online bill payments ATM withdrawals Debit card purchases	Checks Automatic/recurring debits Online bill payments ATM withdrawals Debit card purchases
How to enroll	You must enroll your designated accounts.	You must enroll your designated accounts. You must apply and be approved for a Union Bank Business Line of Credit.	You may be automatically enrolled approximately 30 calendar days after the date you open your account.

For account information details and terms and conditions governing our deposit accounts, see applicable Business Product Guide, Business Accounts & Services Disclosure and Agreement and applicable Business Deposit Fee Schedule. For details about overdraft terms and conditions governing our Business Line of Credit, talk to a banker about the Business Overdraft Line Protection service.