Overdraft Advantage® minimizes mistakes that can ultimately cost you hundreds of dollars in merchant fees charged for returned checks. We reserve the right to limit, restrict or prohibit overdrafts on individual accounts depending on circumstances. Overdraft Advantage® is subject to the Overdraft Advantage® Statement Policy, which limits the amount and number of overdrafts and contains certain terms and conditions. First United offers the perfect solution to help manage your money when your funds are running a little low and there are too many days left in the month until payday.