In celebration of the New Year, our Customer Service Center will close at 5 p.m. on Tuesday, December 31 and all USB branches be closed on Wednesday, January 1. Remember that you can still bank using our online and mobile banking products.
Does Union Savings Bank offer any overdraft services?
Yes, we can cover your overdrafts in two different ways:
• We have standard overdraft practices that come with your account.
• We also offer overdraft protection plans, such as a link to a savings account or to an overdraft line of credit, ...
An overdraft occurs when there’s not enough money in your account to cover a transaction, such as an ATM cash withdrawal or a debit card purchase at a store. At our discretion, we may decide to pay the check or process the transaction even ...
Overdraft Protection is an overdraft line of credit, which allows you to overdraw your checking account up to the amount of your pre-established credit line. Interest is charged on the amount borrowed against the overdraft protection until ...
What are the standard overdraft practices featured with my account?
We do authorize and pay overdrafts for the following types of transactions:
• Checks and other transactions made using your checking account number
• Automatic bill payments
We do not authorize and pay overdrafts for the following types of ...
Are there other product options to cover overdrafts?
Yes. Automated Savings Transfer is a service that automatically transfers funds from your linked savings account to cover overdrafts on your checking account. There is a fee each time an Automated Savings Transfer is made, but only one tran...
Is there overdraft protection when I use my USB ATM Card or USB Debit Card?
We may allow you to overdraw your account at the ATM or when using your Visa® Debit Card, but in order for us to allow ATM and one-time debit card transactions to overdraw your account, we are required to obtain your consent (you must “opt-...
How does the overdraft protection Opt-In Service benefit me?
Many customers find the service to be a convenient and cost-effective means of preventing the denial of transactions using an ATM or debit card that would overdraw their accounts. Even if you’ve never overdrawn before, it’s good to know you...
What fees will I be charged if Union Savings Bank pays my overdraft?
There is no fee to enroll in the Opt-In service. There are only fees incurred if/when you use the service and those are as follows:
• We will charge you a fee of $36.00 each time we pay an overdraft, not to exceed 4 overdrafts per day ($144...
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By clicking continue you will be leaving our website and entering one that's hosted by another party that may offer a different privacy policy or level of security. The Bank provides access to this website in order to offer you additional information and/or functionality. Once you leave our website, you will no longer be subject to, or under the protection of, the privacy and security policies of Union Savings Bank. We encourage you view the UltiPro Privacy Policy to review the privacy and security policies of our partner. If you click cancel you will return to the Union Savings Bank website.