Important Information
There are new federal regulations going into effect soon, and we want to be sure that our customers know what's happening. These changes will affect the overdraft service on your account - unless you contact us.

How overdraft service works today

Right now, your account has overdraft service either through our Overdraft Privilege Program or through a personal line of credit. If you make any type of transaction without enough money in your account, we may, at our discretion, approve that transaction and charge you an overdraft fee.

New overdraft regulations and your options

New regulations will affect the way all banks handle overdrafts. Unless you opt in, starting August 15th, 2010, we will no longer approve everyday debit card transactions and ATM withdrawals that would overdraw your account, and they will generally be declined. This means that your overdraft service on those transactions will be cancelled - unless we hear from you.

You will lose your overdraft service on all of your ATM withdrawals and everyday debit card transactions if you don't contact us to opt in. When you opt in, you give us the required permission to consider those transactions for overdraft – keeping your overdraft service exactly the way it is today.

Opting in is free and easy

There is no fee to keep your overdraft service – you'll only pay a fee if we approve a transaction that overdraws your account. And you can always change your mind, either way, whenever you want. It's your choice! Just remember, if you do not opt in, we will generally decline any debit card or ATM transaction that would cause your account to be overdrawn.
Overdraft Privilege Opt In Form
First Name:*
Last Name:*
Daytime Telephone:*
Email Address:*
Account Number(s)*  
Security ID**
I have received the document titled "What you need to Know about Overdrafts and Overdraft Services" (must check this box before proceeding).
**The Security ID is located within our mailed documentation. If you do not have your Security ID, please contact a Customer Service Representative at 225.644.2265, ext 2400.  

Frequently Asked Questions
What is an Overdraft Service?

An overdraft service occurs when you don't have enough money available in your account to cover a transaction, but we approve it anyway.

Why should I opt in for overdraft service on everyday debit card transactions and ATM Transactions?

Overdraft Service is a service we provide that could approve a transaction, even if you don't have enough money in your account at that moment. Many of our customers appreciate the ability to overdraw in certain instances, instead of having their debit card purchase declined at the store register. When you need to buy something or get cash immediately, having the overdraft service means that we will consider approving those transactions even when you don't have the money in your account.

If I opt in, does that guarantee you'll approve an overdraft?

We approve overdrafts based on your overdraft product and overdraft limits. If you opt in, but exceed your overdraft limit, we will use discretion in approving and paying transactions.

What happens if I don't do anything?

Starting August 15th, 2010, any everyday debit card transaction or ATM withdrawal that exceeds the available funds in your account will generally be declined. Due to operational limitations, in very rare circumstances we will approve these transactions, but will not assess a fee. We will continue to consider other types of transactions like checks, automatic bill payments, and recurring debit card transactions.

Can I opt out of overdraft service for all types of transactions?

Of Course! Just call or visit your local branch to let us know.

If I don't opt in, when will this change take affect?

If you don't opt in to the overdraft service for everyday debit card transactions and ATM withdrawals, the change is effective on August 15th, 2010.

If I have other accounts with United Community Bank, do I have to opt in to overdraft service on those too?

For now, opting in to overdraft service for ATM withdrawals and everyday debit card transactions is only required for consumer accounts – not other types of accounts, like business accounts. If you have an account that links to a savings account or a line of credit (called United Line of Credit), you don't need to opt in to continue that service. If you have multiple consumer accounts with United Community Bank, you'll receive an opt-in form for each account or you can list all accounts when opting in via online banking.