Overdraft Fee Information

Important Information Regarding ATM and One-Time Debit Card Transactions

Your Right to Request Overdraft Coverage

We will not pay your overdrafts for ATM withdrawals and debit card purchases you make at a store, online, or by telephone, unless you tell us you want overdraft coverage for these transactions. Even if you do not request overdraft coverage for ATM withdrawals and debit card purchases, we may still pay your overdrafts for other types of transactions, including checks.

Having overdraft coverage does not guarantee that we will pay your overdrafts. If we decide to pay an overdraft, you will be charged fees as described below.

Overdraft coverage differs from other overdraft services we offer, such as linking your account to another account with us or an overdraft line of credit. See below for more information, including how to contact us if you want overdraft coverage to apply to your ATM withdrawals and debit card purchases.

Overdraft Fees

We will charge you a Non-Sufficient Funds fee of up to $30 each time we pay an overdraft.
There is a limit on the total Non-Sufficient Funds fees we can charge you for overdrawing your account. We will charge only for the first five (5) items that overdraw your account on any one day.
For every business day that your account is in an overdrawn status, we will charge you an Overdraft fee of $5.

Other Ways We Can Cover Your Overdrafts

We offer other ways of covering your overdrafts that may be less expensive, such as linking your account to another account with us or an overdraft line of credit. Contact us to learn more about these options.

How to Request Overdraft Coverage or Get More Information

To request overdraft coverage for your ATM withdrawals and debit card purchases, or for information about other alternatives we offer for covering overdrafts, please:

Contact us at 1-800-438-6864.
Contact us at www.Uwharrie.com.
Complete the form below.

Opt-In Form for Overdraft Services

Account Holder
First Name:
Last Name:
Social Security Number:
Overdraft Selection
I do not want Uwharrie Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions. I want Uwharrie Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions.
Please list the specific personal checking account numbers below for which you would like Uwharrie Bank to authorize and pay overdrafts on ATM and everyday debit card transactions. This change in overdraft practice does not apply to business checking accounts.
Account Number(s):

Opt-In Form for Overdraft Services

Account Holder

Overdraft Selection