What is overdraft protection, and why do I need it on my account?
An overdraft occurs when you do not have sufficient funds in your account to cover a transaction. If you opt-in to Overdraft Protection, United Heritage will still cover the transaction. If you don’t have enough money to make a purchase or pay for an unexpected emergency, your consent allows us to consider authorizing and paying the transaction using our discretionary Courtesy Pay service. It is important to understand that even though UHCU covers the transaction, it is still your responsibility to bring your account back into good standing.