Online Banking

Overdraft Protection

UCB offers ways you may protect yourself against the cost and inconvenience of returned checks. We have two products available to help you. 

NSF Sweep

You may prevent returned items on your account by adding another of your checking or savings accounts as overdraft protection. There is a fee for this transfer, but it is much less than an insufficient funds fee. 

UCB Courtesy Overdraft Service/Overdraft Tolerance

UCB provides this service to cover inadvertent overdrafts that happen from time to time. This saves the embarrassment of returned checks and additional expenses. We may cover checks and other transactions with this service. There will be an overdraft fee charged when UCB covers an overdraft.

To learn more about our Overdraft Protection options, please complete the information below and one of our Branch Managers will be happy to answer any of your questions.