How to Avoid Atlantic Union Bank Overdraft Fees

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How to Get Atlantic Union Bank Overdraft Fee Waived Quickly

At some point in life, you may find that the amount of money available in your bank account isn't enough to complete a transaction. Luckily, most banks offer overdraft services so you don't have to worry. If you are a customer at Atlantic Union Bank, you may be interested to know more about so as to make an informed decision.

Overdraft charges continue to accelerate with the charges hitting a new high of $33.58 in 2021. A majority of banks will charge for this service, so you need to know the rates as well as the terms and conditions attached.

If you incur overdraft charges, you may want to appeal for a waiver from your bank. However, the process can be lengthy and frustrating so you may require the help of a third party who can make the process faster and more convenient. With DoNotPay, you can get your Atlantic Union Bank overdraft fees waived quickly.

What Are Overdraft Bank Fees?

If your account doesn't have enough money to complete a transaction, your bank may allow you to use more than your available bank balance. Most banks will charge a fee to facilitate this transaction. Banks usually let you use more than is available in your account, instead of canceling the transaction.

While there are some banks without overdraft fees, other banks have a limit above which they charge an overdraft fee. For instance, Atlantic Union bank doesn't charge for transactions that overdraw $5 or less.

In addition, banks may charge you overdraft transfer fees if a transfer is made from a linked account. While overdraft fees do not affect your credit score, failure to pay the overdraft on time can hurt your credit rating. To avoid this, ensure that you pay your overdraft as scheduled.

If you need to request an overdraft, you must know the charges posed by various banks. Below are some major banks alongside their overdraft charges.

  • Atlantic Union bank - $38
  • Bank of America - $35
  • Wells Fargo - $35
  • Capital One - $35
  • Chase Bank - $34
  • Citibank - $34

Atlantic Union Bank Overdraft Fee Explained

Just like other major banks, Atlantic Union Bank charges overdraft fees for transactions that exceed your available bank balance. For transactions less than $5, overdraft fees do not apply. However, any transaction above $5 attracts a fee of $38.

If you transact through an account linked to your checking account, you will be charged an overdraft transfer fee of $12.50. You can get a maximum of 6 overdrafts in a day. Therefore, you can be charged as many as six overdraft fees in a day depending on the number of times you request an overdraft.

Tips for Avoiding Atlantic Union Bank Overdraft Fees

The best way to avoid is to avoid spending more than you have in your bank account. While you may find yourself in need of an overdraft, you can avoid overdraft fees by observing these simple tips:

  1. Keep track of your bank account balance. Always monitor any automatic payments. Most banks have online platforms that can help you monitor your account and let you know how much is in your account.
  2. You can also settle your bills with cash or debit card
  3. If possible, ensure that your checking account has some money at all times
  4. You can also use direct deposits. This gives you direct access to your money whenever you need it
  5. You may also consider linking your checking account with a money market. This ensures that money will be taken from the linked account in case you use more than is available in your checking account
  6. You can also set up overdraft protection limits to ensure that your bank does not automatically give you an overdraft when there is not enough money in your account.

Will Atlantic Union Bank Refund Overdraft Fees?

While the Atlantic Union Bank may not refund the entire amount of overdraft fees, the bank has special offers for certain customers. If you have the Elite Business account, you will be waived a single transfer fee of $12.50 per day.

If you have an overdraft that you did not authorize or your bank charges exorbitant rates, you can present your case and request the bank to make a refund. However, you may be required to prove your allegations in order to get a refund. If the bank doesn't comply, you can file a union bank overdraft fees lawsuit and have a court of law make a judgment.

How to Get Refunds on Atlantic Union Bank Overdraft Fee by Yourself

If you have any complaints about Atlantic Union Bank, you may present your case to the bank and have them solve the issue. You can use any of the below tips to reach out to the bank and have your overdraft refund:

  • Use the bank's online banking system and contact their customer service agents
  • You can also call the bank's customer service and present your case
  • You may also want to visit your branch and speak to the bank's manager
  • Alternatively, you can write a letter or even email the bank with details about your overdraft fees complaints.

Next Steps for Getting Atlantic Union Bank to Waive the Fees If You Can't Do It Yourself

Even though you would want to talk to the bank's management in person and have them waive the overdraft fees, the process may be lengthy and time-consuming. Sending mails may not be convenient and may take some time before you can get a reply. You may also be frustrated by long queues if you choose to visit your bank.

However, you don't have to worry as DoNotPay can do so on your behalf. Through an automated platform, DoNotPay can solve your overdraft fees issues with just a click of a button.

DoNotPay Can Help You Get Atlantic Union Bank Overdraft Fees Waived

If you experience unfair overdraft fees with Atlantic Union Bank, a knowledgeable third party can work on your behalf and present the case to your bank. DoNotPay offers you a perfect solution for all your issues about unfair bank fees and fines. You can also file an appeal and get unfair Atlantic Union Bank overdraft fees waived using DoNotPay.

How to Get Atlantic Union Bank Overdraft Fees Waived With DoNotPay

If you want to get Atlantic Union Bank overdraft Fees waived with DoNotPay but don't know where to start, DoNotPay has you covered in 4 easy steps:

  1. Open the DoNotPay Fight Bank Fees product.

  2. Enter the name of your bank.

  3. Verify the last 4 digits of your bank account.

  4. Choose which fees you want to waive, including overdraft, ATM, and transaction fees.

DoNotPay Works Across All Entities With the Click of a Button

In addition to helping you beat bank fines and high fees, DoNotPay can help you resolve many other issues with just a click of a button.

Citizens Bank overdraft feesChase Bank

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Fifth Third Bank overdraft feesBank of America overdraft fees
TD Bank

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transfer to bank fees

Wells Fargo

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Bank of America

ATM fees

If you are tired of paying exorbitant bank charges, DoNotPay can help you appeal such charges. For more information, sign up today.

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