Checking Options

Whether you're looking for your first checking account or one that offers great rewards, we've got you covered!

Take the guesswork out of deciding which checking account is right for you. This short questionnaire will recommend the account the fits best for how you intend to use it.

Find the Account that Best Fits Your Needs

Your Union Checking Account includes these value added services:

VIP Platinum MasterCard® Debit Card
Online Banking & Mobile Banking
Unlimited Online & Mobile Bill Pay
Complimentary Notary Services
Loan Discount - 0.25% rate discount on your new Union Bank consumer loan when you set up automatic payment from a Union Bank checking account.
Safe Deposit Box Discount - 50% off of a safe deposit box for one year, where available.

Checking Accounts

Union Free

Union Free

$50.00 minimum opening balance.
No monthly service charge.
Non-interest bearing account.
Additional Benefit: A welcome pack of limited style checks provided, customer is responsible for shipping and handling costs.

Union Value 55

Union Value 55

$50.00 minimum opening balance.
$6.00 monthly service charge. To avoid this charge owner must be age 55 or better, or maintain a minimum daily balance.
Interest paid on tiered levels. See deposit rates.
Additional Benefit: One box of complementary checks per year, limited style selection.

Union Rewards Cash Back

Union Rewards - Cash Back

$50.00 minimum opening balance.
No monthly service charge.
Non-interest bearing account.
Earn Up To $10.00 Cash Back Rewards:
- $0.05 for each point-of-sale purchase up to $5.00 per month.
- $0.25 for each online bill pay and ACH account debit up to $5.00 per month.
To qualify for Cash Back Rewards:
- ≥15 debit card point-of-sale transactions must be posted and cleared per monthly statement cycle; plus
- Any one of the following each month: direct deposit; E-Statements received; ≥5 online bill pay or automatic debits; or age 23 or younger.

Union Rewards High Interest

Union Rewards - High Interest

$50.00 minimum opening balance.
No monthly service charge.
Non-interest bearing account.
Earn High Interest Rewards. See deposit rates.
To qualify for High Interest Rewards:
- ≥15 debit card point-of-sale transactions must be posted and cleared per monthly statement cycle; plus
- Any one of the following each month: direct deposit; E-Statements received; ≥5 online bill pay or automatic debits; or age 23 or younger.

Convenient Account Access

VIP Platinum Mastercard® Debit Card

Your debit card has the following shopping and security benefits:

Extended Warranty Insurance can double the time period and duplicates the coverage of the original manufacturer's or U.S. store brand warranty on new products for a maximum of one year.
Price Protection can guarantee cardholders the best price on new products purchased with an eligible card by providing a refund on the difference if you find a lower price within 60 days of purchase.
Satisfaction Guarantee can provide up to $250.00 per new product if you become dissatisfied with your product within 60 days of purchase and the merchant will not accept a return.
Identity Theft Resolution with Wallet Protection protects you if someone attempts to steal your identity. MasterCard® will provide services to report and help resolve the incident.
MasterCard® Global Service provides around-the-clock customer service for all of your account-related questions.
MasterCard® Zero Liability protects against unauthorized purchases on your card should your card be lost or stolen.
Purchase Assurance® insures you against theft, damage, or loss of most new items for 90 days after you buy them.

Digital Wallet

With our Mobile App, you can build your Digital Wallet for banking on the go:

Apple Pay / Google Pay / Samsung Pay

Use your smartphone to pay for purchases by simply loading your Union Bank Debit Card information into the pay app for your phone. Using your smartphone to make payments at the register is as easy as using your debit card, only quicker and more secure.

Learn more about how to set up your contactless payment option: