Checking
Health Savings
Internet Banking
Phone Banking
DIME-A-TIME DEBIT CARDS
PERSONAL INTERNET BANKING
UB E-STATEMENTS
CREDIT CARDS
LOANS
ID THEFT PROTECTION
CREDIT CARDS
FINANCIAL CALCULATORS SERVICE FEES
Savings
Deposit RatesHealth Savings
Internet Banking
Phone Banking
DIME-A-TIME DEBIT CARDS
PERSONAL INTERNET BANKING
UB E-STATEMENTS
CREDIT CARDS
LOANS
ID THEFT PROTECTION
CREDIT CARDS
FINANCIAL CALCULATORS SERVICE FEES
Savings
A new home or car, retirement, a special vacation or a rainy day fund—life brings many reasons to save and at Union Bank we have the products you need to reach your goal. Savings plans can be short- or long-term based on your needs. All products offer electronic services for your convenience as well as FDIC insurance coverage up to the maximum amount allowed. Ask your customer service representative for current interest rates.
| PRODUCT NAME | YOUTH SAVINGS | LIFE SAVINGS | CHRISTMAS CLUB | SUPERIOR SAVINGS MONEY MARKET |
| Description | For youth under age 18, this account is intended to teach young customers how to save. Limited transactions with a low monthly balance. Ask about our UBee Kids Club! | A simple account to save for life's everyday needs. Minimal requirements with easy access to funds. | The holidays are a breeze when you save ahead with weekly deposits into a Christmas Club account. Funds are dispersed in October. |
Earn a superior rate of interest over a savings account. Includes account access through check writing. Requires a higher monthly balance. |
| Minimum Balance to Open Account | $5.00 | $50.00 | $1.00 | $5,000.00 |
| Monthly Average Balance | $5.00 | $200.00 | N/A | $5,000.00 |
| Monthly Service Charge | $5.00 if balance drops below minimum requirement. | $5.00 if balance drops below minimum requirement. | No monthly charge— penalty for early withdrawal. | $25 if drops below minimum balance requirement. |
| How to Avoid Monthly Service Charge | Maintain minimum balance. | Maintain minimum balance. | N/A | Maintain minimum Balance. |
| ATM or Debit Card | None | ATM | None | ATM/Debit |
| Interest | Tiered Rates | Tiered Rates | Variable rate paid at maturity | Tiered Rates |
| Transaction Limits | Four in-person withdrawals and six electronic debits per month | Unlimited in-person withdrawals and six electronic debits per month | No debit or withdrawal transactions allowed until maturity | Unlimited in-person withdrawals and six electronic debits or third party checks per month |
| Statement | Sent quarterly, or monthly if electronic activity. | Sent quarterly, or monthly if electronic activity. | N/A | Monthly |
| Monthly Statement Options | Mailed, Combined or e-Statements. | Mailed, Combined or e-Statements. | N/A | Mailed, Combined or e-Statements. |
| Bounce Protection | N/A | N/A | N/A | $1,000.00 |
| Online Banking & Phone Banking | Available—Free | Available—Free | Available—Free | Available—Free |
