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News & Announcements

EMV Debit Cards


Union Bank will be issuing debit card holders upgraded EMV chip cards starting in May, 2017. The mass issuance of EMV cards to current card holders will take place over a three month period, with all card holders receiving an upgraded card by Read More »

Union Bank Offers Scholarship Program for the 18th Consecutive Year


Union Bank is pleased to offer a scholarship program for the 18th consecutive year to graduating seniors in the Lakewood, Hastings and Pewamo-Westphalia School Districts. Various scholarships will be awarded based on the number of qualified applicants. Read More »

1099 MISC Tax Notices


It has been brought to our attention that there are some 1099MISC tax notices that were mailed to customers in error. The amount on some of these notices consisted of multiple years of Dime-a-Time earnings. The notices that were mailed in error are not

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Union Bank offers various checking programs to fit the needs of your busy life. From a simple transactional account to those earning interest or offering special benefits, our customer service representatives will help you select the best program. Most accounts are offered at no monthly cost to you by meeting the requirements of your selected program and all accounts include FDIC deposit insurance coverage. And, every checking program offers convenient electronic services such as online banking, e-statements and debit cards.

If this is your first checking account click here to learn the basics of a checking account.

Order Checks here

Click here to start the process of opening a new deposit account

Description Unlimited checking with added bonuses including one free box of checks per year. A simple and straight forward account. Best for customers who don't need a paper statement. Built around your needs, this flexible account allows you to avoid a monthly service charge by meeting basic requirements. Unlimited checking with the added advantage of earning interest.
Minimum Balance to Open Account $100.00 $100.00 $100.00 $500.00
Minimum Average Balance $0 $0 $500.00 $1000.00
Monthly Service Charge $6.00 $0 $5.00 $10.00
How to Avoid Monthly Service Charge N/A N/A Direct Deposit of at least $500.00 per month or e-statements or account holder 50+ years old or maintain minimum balance. Maintain minimum Balance.
Check Writing Limits Unlimited Unlimited Unlimited Unlimited
ATM or Debit Card Available / Unlimited Use Available / Unlimited Use Available / Unlimited Use Available / Unlimited Use
Interest No Interest No Interest No Interest Yes, Tiered Rates
Bounce Protection Available / $500 Available / $300 Available / $300 Available / $500
Monthly Statement Options Mailed, Combined or e-Statements. E-Statements or pay $3.00 for paper statement. Mailed, Combined or e-Statements. Mailed, Combined or e-Statements.
Images of Checks Included free with e-Statements or additional $2.00 with printed statement. Included free with e-Statements or additional $2.00 with printed statement. Included free with e-Statements or additional $2.00 with printed statement. Included free with e-Statements or additional $2.00 with printed statement.
Complimentary Checks One free box of checks annually. No No No
Online Banking & Phone Banking Available—Free Available—Free Available—Free Available—Free
Bill Pay Available—Free Available for $0.50 cents per bill pay Available—Free Available—Free
Other Benefits • $10,000 AD&D Insurance
• Identity Fraud Support Service
Everywhere Cash Savings
• Complimentary checks
(one box annually)
• 1/4% discount on consumer loans
• $100 discount on mortgage closing costs
  Four foreign ATM refunds per month. ATM owners' fee may still apply.  

Learn more about FDIC Insurance