Overdraft Authorization Form
1700 16th Street, Galena Park, TX 77547
Phone: (713) 674-5778  •  Fax: (713) 674-9207
By completing the form below, I am granting United Community consent to authorize and pay overdrafts on my ATM and everyday debit card transactions.  I understand that I may opt-out of Overdraft Privilege at any time.
First Name Middle Name/Initial Last Name
Home Phone # Cell Phone # Work Phone #
Ext:
Email Address Last 4 Digits Of Social Security # Member Account Number
     
 

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, however we pay it anyway. We can cover your overdrafts in two different ways:

  1. We offer an Overdraft Protection plan, which links to a savings account, and may be less expensive than our standard overdraft option.
  2. You may also be eligible for our Overdraft Privilege plan.  To learn more, ask us about these plans.

This notice explains our overdraft options:

What are the overdraft options that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to:

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if United Community Credit Union pays my overdraft?

Under our overdraft practices:

  • We will charge you a fee of up to $30 each time we pay an overdraft
  • There is no limit on the total fees we may charge you for overdrawing your account.

What if I want United Community Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, complete the form above and click Submit Form to opt-in to Overdraft Privilege today.

Overdraft Privilege coverage is available at our discretion, which means we do not guarantee that we will always authorize or pay any type of transactions.  Members may opt-out of Overdraft Privilege at any time by mail using the address below, calling 713-674-5778, email via unitedccu.com or visiting any of our locations.

For more information about overdraft protection,
please speak to a member service representative at (713) 674-5778.