Union Bank® Overdraft Choices

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Overdraft Protection and Overdraft Coverage

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

Overdraft Coverage: We may cover eligible Debits when you don't have enough money in your eligible 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 Personal Overdraft Fees and Important Information located below

Personal Account Overdraft Choices
Overdraft Protection
Overdraft Protection
Overdraft Coverage
Overdraft Coverage
How it works
Deposit Overdraft
Protection

Link your eligible checking, savings or money market 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
Overdraft Protection Linked to a Union Bank Credit Card
Link your Union Bank Credit Card to your checking account, and funds will be moved to cover debits when there is not a sufficient Available Balance in your account
Standard 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
Debit Card Overdraft Coverage
We may cover your ATM withdrawals and onetime debit card purchases (at our discretion) when there is not a sufficient Available Balance in your account
Eligible accounts
  • Checking, Savings, or MoneyMarket accounts#
  • Union Bank Credit Card#
  • Checking or MoneyMarket accounts#
  • Checking or MoneyMarket accounts#
  • What it costs
    • $0 Annual Fee

    • $0 per day Transfer Fee

    • $15 Excess Activity Charge#
  • Ask us about Overdraft Protection linked to a Union Bank Credit Card#
  • $0 Annual Fee

  • $33 Overdraft Fee per item we pay or return (daily maximum $165)#

  • Additional fees of up to $30#
  • $0 Annual Fee

  • $33 Overdraft Fee per item we pay or return (daily maximum $165)#

  • Additional fees of up to $30#

  • No fee for declined ATM or debit card transactions
  • Eligible debits
  • Checks

  • Automatic/recurring debits

  • Online bill payments

  • ATM withdrawals

  • Debit card purchases
  • Checks

  • Automatic/recurring debits

  • Online bill payments
  • 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 apply for a credit card (subject to credit approval)#
    You may be automatically enrolled approximately 30 calendar days after the date you open your account# #
    You must enroll and have Standard Overdraft Coverage# #

    Personal Overdraft Fees and Important Information

    Important Information
    Overdraft Fees
    Deposit Overdraft Protection Transfer Fee (per day)
    $0
    Overdraft Advance Fee – Union Bank Credit Card (per day). (Please click here to see our Summary of Credit Terms.)
    Ask us about Overdraft Protection linked to a Union Bank Credit Card.#
    Overdraft Fee (per Debit/Item)
    $33
    Overdraft Fee — Teen Access®, Teen Savings, Kidz Savings only (per day)
    $15
    Continued Overdraft Fee (per Business Day)
    $6

    Important information

    Overdrafts

    It is your responsibility to make sure that your account contains a sufficient Available Balance at the time you make a withdrawal transaction of any kind. You can check your account activity through Online Banking or contact us. 

    Authorization or payment of a Debit is always at the Bank's discretion, and we reserve the right not to authorize or pay. Whether we authorize or pay a Debit presented against an insufficient Available Balance in your checking or money market account depends upon several factors, including your account-related behavior. For example, we typically do not authorize or pay such Debits if your checking or money market account is not in good standing or you are not making regular deposits. We may not authorize or pay Debits presented against an insufficient Available Balance in a new account for approximately 30 calendar days after the date of account opening. 

    In the event your deposit account is overdrawn, you agree to pay the amount of the overdraft promptly, without notice or demand from us. You agree that we may use subsequent deposits and other credits to the account including, without limitation, deposits of state and federal benefit payments, such as deposits of government, welfare, retirement, and Social Security benefits, to cover any overdraft existing in your account to the fullest extent permitted by law. 

    Our decision to pay one or more Debit transactions presented against an insufficient Available Balance in your deposit account that will result in an overdraft in no way obligates us to continue the practice at a later time. We can discontinue the practice at any time without cause or notice to you. 

    Please Note: Overdraft Protection Services will not be used in circumstances that involve an account having an insufficient Available Balance to pay a Debit due to a hold we placed on your funds or in connection with an adverse claim, a dispute, a levy, or other legal process. 

    Each account Owner is jointly and severally responsible for paying any overdrafts created by any authorized signer(s) or party to the account, whether or not the Owner participates in the transaction or benefits from its proceeds. 

    When we charge Overdraft Fees

    We may charge you a $33 Overdraft Fee per Debit (up to the daily maximum), whether we pay or return a Debit, when your ending Available Balance is overdrawn by $5 or more.

    Continued Overdraft Fee

    If you overdraw your deposit account and do not deposit enough funds to fully cover any overdraft amount by the 7th consecutive calendar day that your deposit account has been overdrawn, we will charge you a Continued Overdraft Fee of $6. For this purpose, the 1st day is the day the overdraft occurred. Starting on the 7th calendar day, we will charge this fee for each Business Day that the account remains overdrawn for up to 5 Business Days. Continued Overdraft Fee does not apply to Teen Access® accounts, Teen Savings, Kidz Savings, or Union Bank Access Accounts.

    What is Deposit Overdraft Protection?

    With this service, you authorize the Bank to make automatic transfers from your eligible checking, MoneyMarket or savings account ("Deposit Overdraft Protection Account") to your checking account to cover Debits authorized or presented for payment against an insufficient Available Balance. This service allows you to designate only 1 eligible deposit account as the Deposit Overdraft Protection Account.

    How does Deposit Overdraft Protection work?

    Each time Debits are presented for payment against an insufficient Available Balance in your checking account, we will transfer the exact amount from your Deposit Overdraft Protection Account needed to cover each Debit plus the amount of our $10 Deposit Overdraft Protection Transfer Fee ("Transfer Fee"), and place it in your checking account. However, we will only make a transfer from your Deposit Overdraft Protection Account if your Available Balance in the Deposit Overdraft Protection Account will be enough to cover at least 1 entire Debit presented against the insufficient Available Balance in your checking account and the Transfer Fee. Also, the Available Balance in your Deposit Overdraft Protection Account may be reduced to as low as $1, unless you specify a different minimum dollar amount that must remain in your Deposit Overdraft Protection Account as the Available Balance in connection with Deposit Overdraft Protection. 

    At our option, we will either pay or return Debits that cannot be covered by the combination of the Available Balance in both your checking account and Deposit Overdraft Protection Account. Either action will cause you to incur Overdraft Fees and may cause your checking account to remain overdrawn. If your checking account remains overdrawn and your Deposit Overdraft Protection Account later contains a sufficient Available Balance to cover part or all of the overdrawn amount, we will then transfer funds from your Deposit Overdraft Protection Account to cover or reduce the overdrawn amount. In this instance, we will not charge our Transfer Fee. 

    Federal regulation limits certain types of withdrawals or transfers from your savings or MoneyMarket account (including online/telephone transfers and Deposit Overdraft Protection transfers) to a maximum of 6 each monthly statement period (MoneyMarket accounts) or calendar month (savings accounts or MoneyMarket accounts when the statement period date was requested on a specific day). Union Bank will charge a $15 Excess Activity Charge for each transfer exceeding the limits. If you exceed these limits, the Bank is required to close your account or convert your account to one not subject to transfer limitations. If your account is closed or converted due to excessive activity, you will not be able to open another Union Bank savings and/or MoneyMarket account for 12 months from the time the account is closed or converted. 

    If you are enrolled in multiple overdraft services, see the section titled "Processing Order for Multiple Overdraft Services" below. 

    What accounts are not eligible for Deposit Overdraft Protection?

    Deposit Overdraft Protection is not available for Kidz Savings, Union Bank Access Accounts, Teen Savings accounts that are not jointly owned with an adult, and UnionBanc Investment Services® Portfolio Connection® # brokerage accounts.

    Accounts enrolled in Deposit Overdraft Protection which have a Cash Reserve Account covering the same checking account

    In the event a checking account is enrolled in both Deposit Overdraft Protection and Cash Reserve Account and you do not have a sufficient Available Balance in Deposit Overdraft Protection to cover an entire Debit, the Available Balance from the Deposit Overdraft Protection Account will be used first, and the remaining amount needed to cover the Debit will be advanced from the Cash Reserve Account. In these instances, a Deposit Overdraft Protection Transfer Fee will be charged to the checking account and a Cash Reserve Advance Fee will be charged to your Cash Reserve Account.

    What is Overdraft Protection linked to a Union Bank Credit Card?

    This service involves a Union Bank Credit Card. You must apply for a Union Bank Credit Card, which is subject to approval. Only consumer Union Bank Credit Cards are eligible for enrollment in Overdraft Protection Linked to a Union Bank Credit Card. Specifically, if you are approved for a Union Bank consumer credit card and enroll in this service, you authorize the Bank to make advances on your Union Bank Credit Card (subject to your available credit) in order to cover Debits (including transfers between checking, MoneyMarket, and savings accounts) presented for payment against an insufficient Available Balance in your checking account. Please note: Activation of the overdraft protection service may take up to 5 Business Days from the initial request for enrollment in the overdraft protection service. 

    Advances from your Union Bank Credit Card are subject to your available credit and to the terms and conditions of our Cardmember Agreement, Disclosure Statement and Security Agreement (commonly referred to as the Cardmember Agreement), and the Summary of Credit Terms

    How does Overdraft Protection linked to a Union Bank Credit Card work?

    Each time one or more Debits are presented for payment against an insufficient Available Balance in your checking account, we will advance funds from your Union Bank Credit Card in order to cover the Debit or Debits. The advance from your Union Bank Credit Card is taken in multiples of $50. Specifically, a $50 minimum advance from your Union Bank Credit Card will occur in order to cover Debits presented against an insufficient Available Balance in your checking account even though the amount needed in your checking account is less than $50. Further, if the amount needed in your checking account is more than $50, we will advance the next highest multiple of $50 that will equal or exceed the amount needed in the checking account. 

    However, we will only advance funds from your Union Bank Credit Card if you have a sufficient amount of credit available on your Union Bank Credit Card to cover the Union Bank Credit Card Overdraft Advance Fee and either the entire amount needed in your checking account for the Business Day (to next highest multiple of $50) or at least to pay one entire Debit presented against an insufficient Available Balance for the Business Day. Also, any negative balance from a previous Business Day will not trigger an advance from your Union Bank Credit Card unless another eligible Debit (or Debits) is presented for payment against an insufficient Available Balance in your checking account on the current Business Day (through our nightly batch process, and there is a sufficient amount of credit available on your Union Bank Credit Card to cover at least one additional Debit (to next highest multiple of $50). 

    We will charge you a Union Bank Credit Card Overdraft Advance Fee, which will be listed on your credit card statement as an "Overdraft Advance Fee," each time we make an advance from your Union Bank Credit Card in order to pay a Debit presented against an insufficient Available Balance in your checking account. We only charge the Union Bank Credit Card Overdraft Advance Fee once per Business Day. 

    If you do not have a sufficient amount of credit available on your Union Bank Credit Card to cover the entire amount needed in your checking account (to next highest multiple of $50), your checking account will be subject to Overdraft Fees. 

    Only one checking account may be linked to one Union Bank Credit Card account. Also, both the checking account and Union Bank Credit Card must have a common Owner. If your checking account is changed to a closed status for any reason, we may terminate Overdraft Protection Linked to a Union Bank Credit Card for the checking account without notice to you. You may cancel Overdraft Protection Linked to a Union Bank Credit Card at any time. 

    If you are enrolled in multiple overdraft services, see the section titled “Processing Order for Multiple Overdraft Services” below. 

    How does Overdraft Protection Linked to a Union Bank Credit Card for real-time transactions work?

    Overdraft Protection Linked to a Union Bank Credit Card does not advance for Debits that require real-time authorization. Specifically, we will not make an advance on your Union Bank Credit Card for transactions requiring real-time authorization (such as ATM withdrawals, ATM or Debit card purchases, and cash withdrawals in a Union Bank branch). If you attempt a transaction requiring real-time authorization and there is an insufficient Available Balance in the checking account, the transaction will be declined. 

    What accounts are not eligible for Overdraft Protection linked to a Union Bank Credit Card?

    Teen Access®, Union Bank Access Accounts, and UnionBanc Investment Services® Portfolio Connection® #  brokerage accounts. Only consumer Union Bank credit cards are eligible for enrollment in this service. For complete details, refer to your Cardmember Agreement and the credit card Summary of Credit Terms

    What is Standard Overdraft Coverage?

    With this service, we may, at our sole discretion, pay checks, bill payments, ACH Debits, recurring Debit card transactions (such as a gym membership payments), and other Debits when they are presented to us for payment or authorization and you do not have a sufficient Available Balance to cover the Debit. Standard Overdraft Coverage does not apply to ATM or one-time debit card transactions presented to us for authorization when you do not have a sufficient Available Balance to cover the transaction.

    How does Standard Overdraft Coverage work?

    Each time a Debit, other than a one-time ATM or debit card transaction, is presented to us for payment or authorization and you do not have a sufficient Available Balance at the time, we will look to see if you have enrolled in an Overdraft Protection Service. Specifically, if you do not have an Overdraft Protection Service or the Overdraft Protection Service account is otherwise not available for use, we will look to your Standard Overdraft Coverage to decide whether we will pay the Debit presented for payment or authorization against the insufficient Available Balance in your checking or MoneyMarket account. If you are enrolled in and still eligible for Standard Overdraft Coverage, we may decide to pay the Debit. This will cause you to incur Overdraft Fees and will cause your checking or MoneyMarket account to be overdrawn. 

    Your checking or money market account is automatically enrolled in Standard Overdraft Coverage after approximately 30 calendar days after account opening. However, enrollment does not guarantee we will use Standard Overdraft Coverage. 

    You may cancel Standard Overdraft Coverage at any time by contacting us. If you cancel Standard Overdraft Coverage and you do not have a sufficient Available Balance in your checking or money market account to cover a Debit, we will return the Debit and charge you an Overdraft Fee (see the applicable Fee Schedule). You may incur additional fees from the merchant or payee. Cancelation of Standard Overdraft Coverage will also cancel your enrollment in Debit Card Overdraft Coverage, if applicable. 

    What accounts are not eligible for Standard Overdraft Coverage?

    Standard Overdraft Coverage is not available for savings accounts, Teen Access®, Union Bank Access Accounts, accounts enrolled in Cash Reserve Account or Overdraft Protection Linked to a Union Bank Credit Card, or UnionBanc Investment Services® Portfolio Connection®#  brokerage accounts. Accounts opened through the California Account or Pacific Rim Company Benefits Programs are not automatically enrolled.

    What is Union Bank Debit Card Overdraft Coverage?

    With this service, you authorize us, in our sole discretion, to pay ATM or one-time debit card transactions, when they are presented to us for authorization or payment and you do not have a sufficient Available Balance in your checking or MoneyMarket account. You also authorize us to charge an Overdraft Fee when we decide to pay such transactions. You must choose to enroll in Debit Card Overdraft Coverage.

    How does Debit Card Overdraft Coverage work?

    Each time an ATM or one-time debit card transaction is presented to us for authorization and you do not have a sufficient Available Balance at the time, we will look to see if you have enrolled in Debit Card Overdraft Coverage. Specifically, if you do not have Deposit Overdraft Protection or the Deposit Overdraft Protection Account is otherwise not available for use, we will look to Debit Card Overdraft Coverage to decide whether we will authorize the ATM or one-time debit card transaction presented against an insufficient Available Balance in your checking or MoneyMarket account. If your checking or money market account has an insufficient Available Balance to pay the ATM or one-time debit card transaction when it is presented to us and Debit Card Overdraft Coverage is available, the Debit will be paid, which will cause you to incur Overdraft Fees and may cause your checking or MoneyMarket account to be overdrawn. 

    You may cancel and/or re-enroll in Debit Card Overdraft Coverage at any time through Online Banking or by contacting us. We will provide you with confirmation of any enrollment, cancellation or re-enrollment. If you choose not to enroll or you enroll and then cancel Debit Card Overdraft Coverage and do not have a sufficient Available Balance in your checking or MoneyMarket account to cover an ATM or one-time debit card transaction, we may decline the transaction. We will not charge you Overdraft Fees on declined ATM or debit card transactions. 

    Processing Order for Multiple Overdraft Services

    Depending upon the Overdraft Protection and/or Overdraft Coverage Services linked to your account, Debits presented for payment or authorization when your deposit account has an insufficient Available Balance will be covered first by Deposit Overdraft Protection, then by the Cash Reserve Account, then by Overdraft Protection Linked to a Union Bank Credit Card, and finally by Standard Overdraft Coverage or Debit Card Overdraft Coverage, as applicable.

    For more account information and terms and conditions governing our deposit accounts, see our Simply Stated Product Guide, Personal Accounts & Services Disclosure and Agreement and Personal Accounts Fee Schedule.

    Brokerage and investment advisory services, including Portfolio Connection accounts, are available through UnionBanc Investment Services LLC, a SEC-registered broker-dealer, investment adviser, member FINRA / SIPC, and subsidiary of MUFG Union Bank, N.A. Non-deposit investment products:

    • Are NOT deposits or other obligations of, or guaranteed by, the Bank or any Bank affiliate.
    • Are NOT insured by the FDIC or by any other federal government agency.
    • Are subject to investment risks, including possible loss of the principal amount invested.
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