People make mistakes, so the occasional overdraft can happen.
Here, you will find information about your options, so you can choose the overdraft solutions that
are right for you.
What you need to know about Overdraft Practices and Fees
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.
We can cover your overdrafts in two different ways:
This notice explains our standard overdraft practices for consumer accounts.
What are the standard overdraft practices that come with my account?
We do authorize and pay overdrafts for the following types of transactions:
We do not authorize and pay overdrafts for the following types of transactions unless you ask us to do so:
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type
If we do not authorize and pay an overdraft, your transaction will be declined.
What fees will I be charged if United 1st pays my overdraft?
Under our standard overdraft practices:
What if I want United 1st to authorize and pay overdrafts on my ATM and everyday debit card transactions?
If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, fill in and submit the form below.
You can revoke your authorization for United 1st Credit Union to pay these overdrafts at any time by calling or visiting a branch, or mailing a revocation letter. Your revocation must include both your name and your account number so that we can properly identify your account.
Please complete this form and click submit:
Alternative Ways to Opt In:
|If you have questions or concerns, please feel free to contact our Member Services at (912) 882-4630 (within Camden County) or 1-888-484-8328.|
If you prefer to Opt In or Revoke an earlier request by mail, please complete and print this form and send it to:
United 1st Credit Union
|You may also hand deliver your completed form at any of our branch locations. You can find your specific branch address under our About Us tab on our main navigation.|