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Banking Simplified

Banking for Individuals

shop smarter, pay faster.


Debit Card

For a more convenient way to make purchases or access money at the ATM, use your debit card anywhere Mastercard® is accepted. Receive your debit card immediately upon account opening with instant issue. 1

Person-to-Person Funds Transfer (P2P)

A fast, secure way to transfer funds to another person online anywhere across the U.S. Electronically send money from your Univest bank account to another person's bank account for free.

Bank by Phone

Access your accounts 24 hours a day, 7 days a week by dialing our dedicated toll-free line at 800.287.0105.


This time-saving tool emails you a snapshot of your account without compromising your personal information for free. You determine the timing and frequency of emails as well as the number of transactions included in a snapshot.

Money Manager

To avoid overdrawing your account, link your checking account with your Univest savings account, money market and/or line of credit so if an overdraft occurs, necessary funds will be drawn to cover the otherwise negative balance.

Personal Overdraft 2

Univest provides the convenience of an overdraft protection service for personal checking account customers. If you do not have sufficient funds in your account, we will still cover the following transactions:

  • Checks
  • Automatic bill payments
  • Online banking payments and transfers
  • Recurring debit card transactions

ATM and debit card transactions are not included, but you can opt to have those transactions covered. Learn more .

  1. All debit card applications are subject to approval.
  2. Courtesy overdraft limits are available on new checking accounts after 30 days of account opening if the account has remained positive for the full 30 days. When there are insufficient funds in the account, we may, at our discretion, use the courtesy overdraft limit to pay checks, automatic bill payments and recurring debit card transactions. The bank can remove your courtesy overdraft limit at its discretion. If the account has a negative balance after 15 consecutive calendar days, a notification will be sent to you requesting payment and will recommend you contact the bank to discuss and set up a payment plan. If, after 30 consecutive calendar days, your account has not been brought to a positive balance you will be notified that the account will be closed in 10 calendar days.

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