An overdraft occurs when you overdraw your checking account, which simply means that you have spent more on a purchase, payment or withdrawal than you have in available funds in that account.
An overdraft fee is what your bank charges you when you make a payment or purchase against your checking account that exceeds your available funds. The bank covers the dollar amount of the shortage so that your transaction can be completed, but then it requires you to pay a fee for that service. You must pay this overdraft fee in addition to repaying the amount the bank advanced to cover your purchase or other overpayment.
If you're changing jobs or retiring, be sure to consider the assets you've accumulated in your employer-sponsored plan.
Learn MoreWhen you’re purchasing a home in a rural area, you may be able to access special loan programs and terms.
Learn MoreWith your debit cards, you have complete access to your money from any at anytime
Learn MoreIf you want an easy way to jump start your savings and help you achieve your short- and long-term goals
Learn MoreWhether you select a Virtual Wallet with Spend only or add Reserve and Growth for planning, saving..
Learn MoreIf you want to make the most of your money, this account rewards your banking relationship with higher interest rates.
Learn More
Innovative treasury management solutions help you accelerate receivables, optimize payables & maximize performance.
Learn More
Solutions for retirement plans, endowments, foundations, and other institutional investors can..
Learn More
Discover and execute the right strategic options through these Nation The Union Bank businesses.
Learn More
Capital solutions include M&A advisory, loan syndications and risk mitigation strategies to support your growth.
Learn More