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Personal Overdraft Protection

Personal Banking

Personal Overdraft Protection Service

Courtesy Overdraft Protection

Univest provides the convenience of a courtesy overdraft protection limit for personal checking accounts that will cover the following transactions up to a certain amount when there are insufficient funds in the account.1

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

ATM and debit card transactions are not covered under the courtesy overdraft protection limit and will only be covered if you opt in to this additional coverage.

 
Additional Overdraft Protection

If you opt in to additional coverage, we will cover your ATM and everyday debit card transactions when your account balance is insufficient, as long as the account is in good standing.2

  • We may also provide access to funds in advance of a deposit becoming available later the same business day.
  • You will only pay a fee if we approve a transaction that overdraws your account.
You may discontinue this service at any time. Click here to review our Overdraft Protection Policy.

If you opt out of additional coverage, your everyday debit card and ATM transactions will not be covered when there are insufficient funds in your account.

  • ATM and one-time debit card transactions will be declined when your balance is insufficient.
  • Checks, automatic bill payments, online banking payments and recurring debit card transactions may continue to be covered at our discretion regardless of your account balance. Overdraft fees still apply.
 
Overdraft Fees

If a transaction overdraws your account and we cover the otherwise negative balance, a $35 fee will be charged each time we pay an overdraft. There is no limit on the daily fees we can charge you for overdrawing your account.2

 
How to Request Overdraft Coverage

To request overdraft coverage for your ATM withdrawals and debit card purchases, you may:

 
Alternative Coverage Options
There are alternative options available for covering your overdrafts that may be less expensive, such as linking your account to another Univest account or an overdraft line of credit. Contact us to learn more.


Univest does not guarantee the payment of any item or transaction.
  1. Courtesy overdraft limits are available on new personal 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.
  2. Please refer to our Overdraft Protection Policy for additional details.

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