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Information Center

We understand there can be a lot of questions when it comes to finding the best way to manage your money. In order to provide you with as much useful and easy-to-find information as possible, we’ve compiled a list of frequently asked questions that cover a wide range of topics from banking basics to fraud protection to loan options.

If you still can’t find the answers you’re looking for, please feel free to contact us and we’ll work to find the information you need.


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.
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