Business overdraft protection and choices for your business account

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 business debits when you don't have enough money in your eligible business deposit account(s) below.

Call us at 1-800-238-4486 or visit your nearest branch, and let us help you choose the overdraft service that's right for you.

Please also read the Business Overdraft Fees and Important Information located below

Business Account Overdraft Choices	Overdraft Protection	Overdraft Protection	Overdraft Coverage	Overdraft Coverage
How it works	Business Deposit Overdraft Protection Link your eligible business checking, business money market, or business savings account to your 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 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.	Standard Business Deposit 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	Business Debit Card Overdraft Coverage We may cover your Business ATM withdrawals and one-time ATM/debit card purchases (at our discretion) when there is not a sufficient Available Balance in your account. Fees may apply.
Eligible accounts	Business Checking accounts Business Money Market accounts Business Savings accounts	Business Checking accounts Business Money Market accounts Business Savings accounts	Business Checking accounts Business Money Market accounts	Business Checking accounts Business Money Market accounts
Fees	$0 each day a transfer of Available Funds is made. “$15 Excess Activity Charge	$10 Daily advance fee will be charged to the designated eligible checking account each day an advance is made from your Business Line of Credit	$0 Annual Fee $33 Overdraft Fee per item we pay or return (daily maximum $198) Additional fees of up to $35 for each period of continued overdraft of your account	$0 Annual Fee $33 Overdraft Fee per item we pay or return (daily maximum $198) Additional fees of up to $35 for each period of continued overdraft of your account No fee for declined ATM or debit card transactions
Eligible Transactions	Automatic/recurring debits Online bill payments ATM withdrawals Debit card purchases	Checks Automatic/recurring debits Online bill payment	Checks Automatic/recurring debits Online bill payments	ATM withdrawals One-time ATM or 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.	You must enroll and have Standard Overdraft Coverage.

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.