Overdraft Line of Credit

With an Overdraft Line of Credit, your checking account is covered. It protects you from overdrafts and from having transactions denied for non-sufficient funds. Plus, it's also an easy and convenient line of credit when you need quick access to cash.

  • Automatic protection with no per-item overdraft fees
  • Access cash when you need it for large or unexpected expenses
  • Monthly payments equal to 3% of the principal loan balance plus monthly accrued interest
  • Line amounts starting at $500


Rates as of Friday, March 30, 2018

Product DescriptionInterest RateAnnual Percentage RateApply
Overdraft Line of Credit
Revolving12.740%12.744%

An overdraft line of credit is subject to credit approval.  Annual membership fee of $35.00.  Fee waived if overdraft line is tied to a United Bank Premier Checking account.  12.74% rate available for credit lines between $500 and $5000.  Rate requires minimum credit score of 750, must be tied to a United Bank Premier Checking account, and must be paid through auto pay from a United Bank Premier Checking account.  Rates are based on creditworthiness, so your rate may differ.  You will be charged interest from the date you access the credit line.  Other terms and rates may be available.  Rates subject to change.  Please ask for more details. 

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