Personal Checking

A Personal Checking Account from The UNION BANK Company is an easy, convenient, and smart way to manage your daily finances. We know that different people have different banking needs, so we offer simple choices in checking accounts. When you're ready to switch to a UNION BANK account, we can help make the switch quick and easy. Look for the "Quick-Switch" kit link at the bottom of the page.

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Do you want an account that pays you a high interest rate?  Do you want to be able to use any ATM Nationwide and receive a refund on fees?  Then you need Kasasa Cash.  Kasasa Cash is a checking account that offers you a high interest rate, and ATM fee refunds every time you qualify.  Below are the features and benefits of this great product!

Features & Benefits:

  • Earn money with a High Interest rate
  • Save money with ATM fee refunds*
  • No Monthly Fees
  • No Minimum Balance
  • Access to EBanking
  • Enjoy the convenience of E-Statements
  • Access to Mobile Banking
  • Access to Telebanc
  • ATM/VISA® Check card
  • 1 box of wallet Specialty blue checks at no cost at account opening(2)

 

Qualifiers to earn High Interest and ATM fee refunds*:

  • Receive your statement electronically by sigining up for E-Statements
  • Have a minimum of 12 check card POS transactions post to your account per statement cycle
  • Have 1 direct deposit or 1 monthly auto debit

 

For a 2011 Kasasa Cash Qualification Calendar click here. 

For a 2012 Kasasa Cash Qualification Calendar click here.

If you don't qualify one month, don't worry!  You still have an account that earns a base rate of interest, and you can get back to earning high interest and receiving ATM fee refunds the next month you qualify.

 

* Annual Percentage Yield (APY) accurate as of 12/31/11.  Minimum to open account is $50 for Kasasa Cash and $50 for Kasasa Saver.  Kasasa Cash rate tiers are as follows:  If qualifications are met each qualification cycle 2.50% APY applies to the portion of the balance from $.01-$10,000.  0.25% APY applies to the portion of the balance over $10,000, and when total balance exceeds $10,000, all balances may earn 0.25% APY to 2.50% APY.  If qualifications are not met, 0.05% APY applies to all balances and ATM fees will not be refunded.  The advertised Kasasa Cash APY is based on compounding interest.  The interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound.  The actual interest paid may be less than the advertised APY.  The Kasasa Saver APYs may be less than the Kasasa Cash APYs.  Kasasa Saver rate tiers are as follows: If qualifications on the Kasasa Cash account are met each qualification cycle 1.25% APY applies to the portion of the balance from $0.01-$15,000. 0.25% APY applies to the portion of the balance over $15,000, and when total balance exceeds $15,000, all balances may earn 0.25% APY to 1.25% APY.  If qualifications on the Kasasa Cash account are not met each qualification cycle, 0.05% APY applies to all balances on the Saver account and ATM fees will not be refunded.  Rates may change after the account is opened.  Fees may reduce earnings.  Qualifying Debit card transactions must be point of sale transactions, must post and clear the account during the monthly qualification cycle.  Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made.  Intra-bank transfers do not count as qualifying ACH transactions.  If qualifications are met ATM fee refunds up to $25 per statement cycle and $5 limit per ATM transactions will be posted to your account at the end of the cycle.  Limit of one account per person.  We may report to the IRS the value of any premium.  Any applicable taxes are the responsibility of the recipient.

 

 

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Kasasa Saver is another high interest paying account.  Kasasa Saver helps you to save money by transferring the interest that you earn on your Kasasa Cash account and your ATM fee refunds to your Kasasa Saver account automatically.  You then earn a high interest rate on this account when the qualifiers are met.  To qualify for the Saver high interest rate, all you need to do is meet the qualifiers in Kasasa Cash.  Kasasa Saver can only be opened if you have a Kasasa Cash Account. 

If you don't qualify one month, don't worry!  You still have an account that earns a base rate of interest, and you can get back to earning high interest the next month you qualify.

 

  *  Annual Percentage Yield (APY) accurate as of 12/31/11.  Minimum to open account is $50 for Kasasa Cash and $50 for Kasasa Saver.  Kasasa Cash rate tiers are as follows:  If qualifications are met each qualification cycle 2.50% APY applies to the portion of the balance from $.01-$10,000.  0.25% APY applies to the portion of the balance over $10,000, and when total balance exceeds $10,000, all balances may earn 0.25% APY to 2.50% APY.  If qualifications are not met, 0.05% APY applies to all balances and ATM fees will not be refunded.  The advertised Kasasa Cash APY is based on compounding interest.  The interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound.  The actual interest paid may be less than the advertised APY.  The Kasasa Saver APYs may be less than the Kasasa Cash APYs.  Kasasa Saver rate tiers are as follows: If qualifications on the Kasasa Cash account are met each qualification cycle 1.25% APY applies to the portion of the balance from $0.01-$15,000. 0.25% APY applies to the portion of the balance over $15,000, and when total balance exceeds $15,000, all balances may earn 0.25% APY to 1.25% APY.  If qualifications on the Kasasa Cash account are not met each qualification cycle, 0.05% APY applies to all balances on the Saver account and ATM fees will not be refunded.  Rates may change after the account is opened.  Fees may reduce earnings.  Qualifying Debit card transactions must be point of sale transactions, must post and clear the account during the monthly qualification cycle.  Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made.  Intra-bank transfers do not count as qualifying ACH transactions.  If qualifications are met ATM fee refunds up to $25 per statement cycle and $5 limit per ATM transactions will be posted to your account at the end of the cycle.  Limit of one account per person.  We may report to the IRS the value of any premium.  Any applicable taxes are the responsibility of the recipient.

 

 

 

Admit it!  You're always on the lookout for cool new stuff to download.  Now you can use your monthly downloads to check out a new band, movie, apps, ringtones, games or anything else.  Plus, we will refund ATM fees each month you qualify so your money stays in your wallet.

Features:

  • Earn $10.00 in iTunes or Amazon.com downloads at account opening
  • Earn $5.00 in iTunes or Amazon.com downloads each month you qualify
  • Save money with ATM fee refunds (up to $25 per cycle, maximum $5.00 per transaction) each month you qualify
  • No monthly minimum balance
  • No monthly statement fees
  • Save time using our EBanking with CheckFree Web Bill Pay
  • Enjoy the convenience of EStatements
  • Direct Deposit available
  • 1 box of wallet Specialty blue checks at no cost at account opening(2)

 

To qualify each cycle to earn iTunes:

  • Receive your statement electronically by signing up for EStatements
  • Have a minimum of 12 check card POS transactions post to your account per statement cycle

 

For a 2012 Kasasa Tunes Qualification Calendar click here. 

If you don't qualify one month, don't worry!  You still have an account with no minimum balance required to maintain the account and you can try to qualify again next cycle.

 

*Minimum to open account is $50.  Qualifying transactions must post and clear the account during the qualification cycle.  Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made.  Refunds of download purchases from iTunes® or Amazon.com up to $10 will be made directly to your Tunes account and are available at account opening.  Purchases must be made within 60 days from account opening with your check card associated with the Tunes accounts or the reward will expire.  If qualifications are met refunds of your iTunes or Amazon.com download purchases up to $5 will be made directly to your Tunes account and are available after the end of that qualification cycle.  Purchases must be made with your check card associated with the Tunes account within 30 days or the reward will expire. ATM fee refunds up to $25 per statement cycle and $5 limit per ATM transactions will be posted to your account at the end of the cycle only if qualifications are met during the monthly qualification cycle.  iTunes® is a registered trademark of Apple, Inc. (and/or) Amazon.com is a registered trademark of Amazon.com, Inc.  Apple Inc. (and/or Amazon.com) is not a participant in or sponsor of this program.  We may report to the IRS the value of any premium.  Any applicable taxes are the responsibility of the recipient.

Union Personal Checking(1)

  • Minimum Opening Balance $50.00
  • ATM/VISA® Check card
  • EBanking
  • 24-Hour Telebanc
  • CheckFree Web Bill Pay
  • Direct Deposit
  • Notary Service
  • Unlimited Check Writing
  • Unlimited Teller Assisted Transactions
  • 1/4% Rate Discount on installment loans with auto-debit

Union Interest Checking(1)

  • Minimum Opening Balance $50.00
  • $5.00 monthly fee waived if you maintain a $1,500 minimum daily balance or have a $5,000 avg. monthly balance, or $5,000 min. daily balance in other consumer deposit balances or monthly direct deposit to this account, or monthly automated payment to a Union Bank loan from this account
  • Variable tiered rate of interest, compounded daily, credited monthly
  • ATM/VISA® Check card
  • EBanking
  • 24-Hour Telebanc
  • CheckFree Web Bill Pay
  • Direct Deposit
  • Notary Service
  • 1 box of wallet Specialty checks per year or 50% off any stylish check of your choice(2) 
  • 1/4% Rate Discount on installment loans with auto-debit
  • Bi-annual Special CD rate offers
  • Unlimited Check Writing
  • Unlimited Teller Assisted Transactions

Union Interest Plus 55 Checking(1)

  • Only available to customers 55 or older
  • Minimum Opening Balance $50.00
  • Variable tiered rate of interest, compounded daily, credited monthly with $500 minimum daily balance in checking account
  • ATM/VISA® Check card
  • EBanking
  • 24-Hour Telebanc
  • CheckFree Web Bill Pay
  • Direct Deposit
  • Money Orders
  • Notary Service
  • 1 box of wallet Specialty lemon checks per year or $8.00 off any stylish check of your choice(2) 
  • 1/4% Rate Discount on installment loans with auto-debit
  • Bi-annual Special CD rate offers
  • Unlimited Check Writing
  • Unlimited Teller Assisted Transactions

Telebanc - 24 hour access

Telebanc is a no-cost service that allows you to check your account balance, inquire about your most recent transactions, transfer funds between accounts, and get loan and deposit information. It is as simple as the touch of a button. Use any touch-tone telephone to call 1-888-646-6226. Listen to the recording and follow the instructions.  

For our Quick Switch kit please click here.

 

    (1)  Checks or Images not returned with statement. 

    (2)  Duplicate checks not included.