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Overdraft Line of Credit

We provide coverage when you lose track of your account balance
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It's your financial safety net.

Oversights happen. But they don't have to lead to lots of fees, embarrassment and possible credit damage. Our Overdraft Line of Credit provides financial backup whenever you overdraw on your account.*

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  • United Bank offers its checking account customers an overdraft line of credit that can be used in place of other automatic overdraft protection programs.
  • Line amount, interest rate and income verification requirements are determined by credit history and associated score.
    • Minimum line amount = $500
    • Annual Fee = $35 (Charged on the anniversary of account opening). The fee is waived if you have a Premier checking account with us.
    • Interest is only charged on the amount drawn at any given time
    • Customers may keep an outstanding balance of the line with minimum payments equal to monthly accrued interest plus 3.00% of the balance.

*Subject to credit approval.

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