Avoid the embarassment of having your checks returned with Overdraft Protection.

Overdraft Protection...
is linked to another United Bank deposit account.  In the event that your checking account has insufficient funds, the amount needed will be transferred from your linked account plus a $5.00 fee.
Example: Your checking account balance is $100.  A check for $150 is presented for payment from your checking account.  The check will be paid and $55 will be transferred out of your linked checking or savings account.