CDARS is the Certificate of Deposit Account Registry Service. Simply put, it's the easiest way to enjoy full FDIC insurance on deposit amounts larger than $250,000.00. Everything is handled through our bank. You can work with just one bank  our bank and receive insurance from many. All of your CDs will be listed on one statement from us. 

Before CDARS

  • Open accounts in multiple names, deal directly with multiple banks
  • Negotiate several interest rates
  • Manually consolidate statements every month
  • Track changing collateral values for collateralized deposits


  • One bank - The Union Bank Company 
  • One interest rate 
  • One account statement 
  • No need to track

Want to know more? Contact our Private Banking/Treasury Management Department by calling your local Union Bank office or (800) 837-8111 for more information. 

Insured Cash Sweeps (ICS) 

Keep your money working for you with ICS. Have excess cash balances sent from your transaction account with us into money market deposit accounts (MMDAs) that earn you interest. Best of all, those funds can be fully FDIC insured and accessed up to six times per month. You will have access to an online tool, specially developed for ICS, which enables you to track monthly program withdrawals - so you can literally watch your money as it works hard for you. 

When you have funds in both CDARS and through ICS under the same tax identification number, the ICS system is programmed to recognize existing CDARS placements and exclusions maintained by us for you. 

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The Union Bank Co.

105 Progressive Drive
Columbus Grove, OH 45830
(800) 837-8111
Routing Number - 041213759