Overdraft Programs

We offer a variety of options to help you manage and minimize overdrafts. The following services and optional overdraft programs are available to eligible account holders to help manage your account and avoid unnecessary fees. See a banker for more complete information on the option that is best for you.

Overdraft Privilege

Overdraft Privilege (ODP) is a discretionary courtesy service provided to eligible accounts. It is designed to help protect you against having your checks returned or eligible transactions declined in the event of an inadvertent overdraft of your account. This service is not a line of credit, however, you would be charged our normal overdraft fee for each eligible item that overdraws your account.

  • ODP coverage pays overdrafts from checks, ACH, bill payment, and recurring debit card transactions up to a pre-approved limit (you may choose to opt in to Enhanced ODP coverage to also include ATM and one-time debit card transactions)
  • Pay only when you use Overdraft Privilege service
  • Covered transactions may be paid up to your pre-approved limit
  • Opt-in or opt-out at any time

Account Link

If you are concerned about an occasional overdraft and have other eligible deposit accounts with United Commonwealth, you may link it to your checking account. If you should overdraw your checking account, available funds from your linked account would be swept over to cover the amount of any overdraft. See a banker for additional details. 

  • Overdrafts are covered by transferred funds from your designated secondary United Commonwealth account
  • Use combined qualifying accounts any way you choose
  • Pay a transfer fee only when the service is used

Reserve Cash

Reserve Cash is a personal, overdraft line of credit tied to your checking account. A separate application is required. Once approved, the amount of your available credit line is readily accessible to cover overdrafts. See a banker for complete account details, terms and conditions, or to apply today!

  • Overdrafts are covered by transferred funds from a line of credit (up to your available line of credit; subject to credit approval)
  • Interest accrues on advanced funds until paid in full
  • Annual fee applies