Overdraft Protection
Relax ... with worry-free Checking.
We understand there are times your Checking Account may accidentally be out of balance, and that’s why we offer several overdraft protection options for your account.
Savings Account
Linking to your Savings Account1 allows your funds to automatically transfer.
Personal Line of Credit
Your Checking Account will be covered up to your available Personal Line of Credit limit.
Money Market Plus
Your money automatically moves to your Checking Account to pay for overdrafts, as long as funds are available.1
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Savings Account
When your Savings Account is linked to your Checking Account, money will automatically move to your Checking Account to pay for overdrafts, as long as funds are available.
This overdraft protection is free of charge, however, federal regulations limit this to 6 uses a month in combination with other transfers including transfers initiated by Unicom Savings Bank Online or Call 24.
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Personal Line of Credit
Link your Checking Account to your Personal Line of Credit and overdrafts are covered up to your Personal Line of Credit limit. Interest is only charged when you use your line of credit and the exact amount needed to cover your overdrafts is transferred rather than a larger minimum amount.
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Money Market Plus
With overdraft protection through a Money Market Plus account, money automatically moves to your Checking Account for overdrafts as long as funds are available.
This overdraft protection is free of charge, however, federal regulations limit this to 6 uses a month in combination with other transfers including transfers initiated by Unicom Savings Bank Online or Call 24.
1 This account is not considered a transaction account. Federal regulations limit automatic transfers, checks and drafts to six each month. There is no limit to the number of over-the-counter or ATM transactions you can make on this account. APY is Annual Percentage Yield.