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What is the difference between Overdraft Privilege and Overdraft Account Transfer?

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What is the difference between Overdraft Privilege and Overdraft Account Transfer?

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Overdraft Privilege is a service provided by Union to authorize ATM and everyday debit card transactions for customers even if the amount was more than the available balance. In exchange for providing this service, Union charges customers a fee for each transaction. Overdraft Account Transfer (formerly called Money Mover) is a service that allows bank customers to link their checking account to other Union accounts to cover overdrafts.

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