At Union Bank, we understand that checking accounts are not one-size-fits-all. We’ve developed a range of accounts to provide you great value and assure you get the account that fits you best. Whether you’re looking for your first checking account, or one that offers great Rewards, we've got you covered!

Check Out the Value Package included with all of our Everyday Checking Accounts:

  • Free VIP Platinum MasterCard® Debit Card 
  • Free Online Banking 
  • Free Unlimited Bill Pay 
  • Free Unlimited Mobile Banking, Mobile Deposit & Bill Pay 
  • Free Card Valet®
  • Free Notary 
  • Free Check Safekeeping 
  • Free ATM Card 
  • Loan Discount (1) 
  • Safe Deposit Box Discount (2) 
  • Unlimited check writing 
  • Unlimited teller assisted transactions 
  • Outstanding Customer Service 

1 Loan Discount: 1/4% loan discount for auto-pay of a Union Bank loan from a Union Bank checking

2 Safe Deposit Box Discount: 50% off on a safe deposit box for the first year.

Union Everyday Checking Accounts:

The Union Interest Rewards account features more ways to waive fees and earn great interest rates when you qualify. And qualifying is easy! Use your VIP Platinum MasterCard® Debit Card for 15 or more point-of-sale transactions, plus any two of the following: E-statement, Direct Deposit, five or more bill pays/auto debits, or be age 23 or younger. 

Once you qualify, you begin to earn our highest checking interest rate for balances from $1 to $10,000 and split rates thereafter. Plus, use your debit card at any non-Union Bank ATM and receive up to $25 in foreign ATM refunds. Open a Union Interest Rewards Plus for even more value.

  • Earn money with a High Interest rate* 
  • Earn up to $25 in ATM fee refunds each month 
  • No Minimum Balance 
  • Minimum $50 to open 
  • Enjoy the convenience of E-Statements 
  • Enjoy access to our Free Mobile Banking (App, Text and a special iPad App) 
  • Enjoy access to our Free Online Banking and Online Bill Pay 
  • VIP Platinum MasterCard® Check card 
  • Welcome pack of checks free for singles and $10 for duplicate. 50% off reorder of full quantity single and duplicate basic checks (4 color options) 
  • Service Fee of $6.00 is waived in part or in whole based on Qualifiers 

 *See our Rates page for details

 

Qualify for ATM Refunds of up to $25 each monthly statement cycle by completing 15 or more Point of Sale Transactions PLUS any 2 of the following:

  • E-Statements 
  • Direct Deposit 
  • 5 or more Bill Pays or Auto Debits 
  • Age 23 or younger 

You can earn the following credits to offset all or a portion of the $6.00 monthly service charge as follows (Maximum credit back is $6.00):

  • 15 or more Point of Sale Transactions = $6 credit which completely offsets your monthly service fee 
  • E-Statements = $3 credit 
  • Direct Deposit = $3 credit 
  • 5 or more Bill Pays / Auto Debits = $3 credit 
  • Age 23 or younger = $3 credit 

For our Quick Switch Kit please Click Here

*Qualifying point of sale transactions must post and clear the Union Interest Rewards Checking account during the monthly statement cycle. Transactions may take one or more business days from the date the transaction was made to post and settle to an account.

ATM transactions do not count as qualifying transactions. Intra-bank transfers do not count as qualifying ACH transactions. Fees may reduce earnings. E-Statement may be retrieved by logging onto www.theubank.com online banking. Personal accounts only. One account per social security number. Checks are not returned with statements. If the account is closed prior to ATM fee refunds and/or interest posting to your account, all refunds and interest may be forfeited.

The Union Cash Back Account features more ways to qualify and earn cash back with more ways to earn rewards everyday. Qualifying is easy. Use your VIP Platinum MasterCard® Debit Card for 15 or more point-of-sale transactions plus any two of the following: E-Statement, Direct Deposit, five or more bill pays/auto debits or be age 23 or younger. Once you qualify, you begin to earn cash back for point of sale transactions, bill payment, auto-debits and ATM refunds. You can earn up to $10 cash back each statement cycle. Plus use your debit card at any non-Union Bank ATM and receive up to $25 in foreign ATM fee refunds when you qualify.

  • Earn 5¢ cash back for each POS transaction. Up to $5 per monthly statement cycle.
  • Earn 25¢ cash back for each Bill Pay / ACH Auto Debit. Up to $5 per monthly statement cycle.
  • Earn up to $25 in ATM Fee Refunds each month
  • No Minimum Balance
  • Minimum $50 to open
  • Enjoy the convenience of E-Statements
  • Enjoy access to our Free Mobile Banking (App, Text and a special iPad App) 
  • Enjoy access to Free Online Banking and Online Bill Pay
  • ATM/MasterCard® Check card
  • Welcome pack of checks free for singles and $10 for duplicate. 50% off reorder of full quantity single and duplicate basic checks (4 color options)
  • Service Fee of $6.00 is waived in part or in whole based on Qualifiers

 

Qualify for ATM Refunds of up to $25 each monthly statement cycle by completing 15 or more Point of Sale Transactions PLUS any 2 of the following:

  • E-Statements
  • Direct Deposit
  • 5 or more Bill Pays or Auto Debits
  • Age 23 or younger


You can earn the following credits to offset all or a portion of the $6.00 monthly service charge as follows (Maximum credit back is $6.00):

  • 15 or more Point of Sale Transactions = $6 credit, which completely offsets the service fee
  • E-Statements = $3 credit
  • Direct Deposit = $3 credit
  • 5 or more Bill Pays / Auto Debits = $3 credit
  • Age 23 or younger = $3 credit

For our Quick Switch Kit please Click Here

*Qualifying point of sale transactions must post and clear the Cash Back Checking account during the monthly statement cycle. Transactions may take one or more business days from the date the transaction was made to post and settle to an account.

ATM transactions do not count as qualifying transactions. Intra-bank transfers do not count as qualifying ACH transactions. Fees may reduce earnings. E-Statement may be retrieved by logging onto www.theubank.com online banking. We may report to the IRS the value of cash back rewards earned during the year. Any applicable taxes are the responsibility of the recipients. Personal accounts only. One account per social security number. Checks are not returned with statements. If the account is closed prior to ATM fee refunds and/or cash back rewards posting to your account, all refunds and rewards may be forfeited.

  • Minimum Opening Balance $50.00 
  • Variable tiered rate of interest, compounded daily, credited monthly 
  • No Monthly service fee if you maintain $1,500 Average Daily Balance in checking and have E-Statements OR a monthly Direct Deposit to this account OR $25,000 in Combined Deposits, balance requirement waived for age 55 and over, otherwise monthly service fee of $6. 
  • One box of select style single checks free per year (Four color options) 
  • Value Package Included

 *See our Rates page for details

For our Quick Switch Kit please Click Here

  • No monthly service fee if you maintain E-Statements or Direct Deposit or $10,000 in combined deposits, otherwise monthly service fee of $3. 
  • Minimum Opening Deposit $50.00 
  • Welcome pack of checks free for singles and $10 for duplicate. 50% off reorder of full quantity single and duplicate basic checks (4 color options) 
  • Value Package Included 

For our Quick Switch Kit please Click Here

A VIP Platinum MasterCard® Debit Card from the Union Bank is convenient, easy to use, and accepted anywhere you see the MasterCard® symbol. Your new Union Bank Debit card has shopping and security benefits as well:


  • 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 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 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. 
  • CardValet allows you to manage your card usage through your mobile device. 

Get the Mobile App that lets you control your card, your way


With CardValet you can: 

• Turn your credit card on and off.

• Establish transaction controls for dollar amount limits, merchant categories and

geographic locations.

• Receive alerts when your credit card is used, approved or exceeds the transaction

controls set by you.

• Stay informed of potential fraud with alerts on attempted, declined transactions.

• Get real-time balances for your accounts.


Get your CardValet app at the Apple iTunes store or Google Play.

MasterCard SecureCode is a service to enhance your existing MasterCard account. A private code means added protection against unauthorized use of your card when you shop at participating online retailers. You can register for SecureCode at the MasterCard website found here.

If you have questions on MasterCard benefits, please call 1-800-307-7309.

If you need to contact the fraud department at MasterCard, please call 1-800-262-2024.

If your MasterCard has been lost or stolen and the bank offices are not open, please call 1-800-417-8715.

If you need to activate a new card, or reset your PIN, please call 1-800-992-3808.

 

A young man and woman are showing each other their cell phone screens.
Mobile Banking

Access your finances wherever your day takes you with Union Bank mobile banking. Learn more about Mobile Banking