Whether you're looking for your first checking account or one that offers great rewards, we’ve got you covered!
Your Union Checking account includes these value added services:
  • Free Notary Services
  • Loan Discount1
  • Safe Deposit Box Discount2
1. Loan Discount: 0.25% loan discount when set up automatic payment of a Union Bank loan from a Union Bank checking.
2. Deposit Box Discount: 50% off on a safe deposit box for one year, where available.

Checking Accounts

See Which Account Is Best For You

Value 55
Union Rewards
Cash Back
Union Rewards
High Interest
Minimum to Open $50.00 $50.00 $50.00 $50.00
Unlimited Check Writing Yes Yes Yes Yes
Monthly Service Charge None $6.001 None None
Interest Paid No Yes No Yes
Additional Benefits Free welcome pack of checks2 One free box of checks per year3 Qualify for cash rewards4 Qualify for high interest4
1. To avoid $6.00 monthly service charge, maintain a minimum daily balance of $1,500.00 or be age 55 or better.
2. Free welcome pack of single checks: Customer is responsible for shipping and handling costs.
3. One free box of checks per year: limited to select styles.
4. To qualify for 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; estatements received; ≥5 bill pay or auto debits; or age 23 or younger.

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.

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:
Open your account online today! 
Access our online personal account opening to get started.

Have questions?
Our Communications Center is available during business hours to take your calls, texts, emails or live chat messages. 

Create a budget. Budgeting enables you to meet your goals an priorities your expenses. 

IntraFi Network Deposits - Demand Option or Savings Option
Have excess cash balances sent from your transaction account with us into a demand deposit account (DDA) or money market deposit account (MMDA) that earns you interest.

MasterCard® Assistance
Phone Numbers

Lost or Stolen

Fraud Department


Activate Card or Reset PIN
The Union Bank Co.

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