1. Home
  2. Personal
  3. Personal Checking
  4. Overdraft Services

Overdraft Services

First United makes it easy to avoid expensive and embarrassing overdrafts. To start, we never charge customers if we determine your account is overdrawn by a total amount less than $10, so you’re covered when you cut it close. We also offer several services to help you avoid overdrafts and keep your checking account in the black:

  1. Link with Savings
    You can link your checking account with a savings account. When you overdraft, the difference is automatically pulled from your savings account.   
  2. Link with A Personal Credit Line
    Link your checking account with a Personal Credit Line (PCL). This line will cover overdrafts in exchange for a low annual fee.   
  3. Opt-Out of Overdraft Services
    If overdrafts are a consistent problem for you, you can opt out of any overdraft coverage. This opt-out means items presented against insufficient funds will be returned as applicable by law. Any previous “opt-in” request to our Standard Overdraft Protection will be discontinued which may result in ATM or Point of Sale transactions being rejected or declined at the time of transaction. Customers are responsible for the return items charges from First United, as well as any charges from the merchant for return of the item. Most customers prefer to avoid these additional charges and the embarrassments of declined payments, so this opt-out is intended as a last resort in special circumstances. This option may not result in a reduction of fees.

Additional Features and Services

Internet Banking

Execute all sorts of banking transactions without having to leave your home or office. It’s easy and secure.

Mobile Banking

On the run? You can access account balances, transfer funds and even pay bills using our mobile app.

Mobile Deposit

Just snap a picture of your deposit with your smartphone, press a few buttons, and you’ve completed your banking for the day.

Visa Debit Card

Earn reward points without accumulating debt with the card that links to your checking account.

Telephone Banking

Access account information, transfer funds, and even place check reorders 24-7 from the convenience of your phone.

Customer Service Center

Our skilled associates are just a phone call away, until 8 PM on weekdays, to answer all your banking needs.

We’re passionate about building customized solutions.