Choose credit. It makes cents!
The Union Bank Dime-a-Time debit card rewards you for using your debit card – when you choose credit. Your UB debit card can make purchases in two different ways: as a credit card transaction authorized by your signature or an ATM transaction authorized by your PIN. That is why the cashier at the local store asks you “Debit or Credit.” Both methods access only the funds in your UB checking account.
As a UB customer, the smart way is to say “Credit.” First, credit transactions are run through the MasterCard network and you enjoy their limited fraud protections. Second, you don’t have to worry about forgetting your PIN number. Third, and most importantly, Union Bank will pay you 10 cents for every credit, or signature-based, transaction with your debit card ($10 minimum purchase).
The more you use it, the more it pays. For example, if you use your debit card (and say “Credit”) just twice a day for a month, your UB checking account will be credited $6 cash. Three times a day would be $9. Over the course of the year, that would mean $108.
NEW! Add even more security to your debit card when making online purchases with MasterCard's new SecureCode feature. Once you enroll for SecureCode, a box will appear requiring you to enter the code when you shop online with a participating merchant. This is a code only you know and is separate from the card unlike the CVC code on the back. To add this feature, visit this link.
ATM cards are also available for your convenience. An ATM card may be connected to either a checking or savings account and you may access your funds at any ATM location (fee for a non UB machine). Certain retailers may accept your ATM card to make purchases -- similar to a debit card -- but there must be a PIN pad present so purchases with an ATM card are limited.
Union Bank ATM and Debit cardholders may now use any (even out of state) Comerica Bank ATM free of charge for withdrawals. This complimentary service is brought to you through a unique partnership with Comerica as one of UB's correspondent banks. If you live, shop or work in the Lansing or Grand Rapids area, there are several ATMs available. Check this interactive map for locations.
Don't have a Union Bank Debit Card? Click here to Contact Us and we'll get one ordered for you.
For tips on how to use your debit card wisely click here.
Out of the Country Travel Tips for Debit Cards
Traveling outside the United States? You can still use your Union Bank Debit Card! Just book your trip and notify us of your plans. With notification from you we can validate any activitity that seems unusual for your account. If you don't notifiy us, your card could be placed in a status that will not allow any activity until we contact you to verify it. This can be difficult if you don’t have your cell phone number on file with us and we are calling your home phone.
Also follow these helpful tips while on your adventure:
- When traveling out of the country, you should always take at least 2 forms of payment. If one doesn’t work you have the other to fall back on.
- In a foreign country, an ATM machine must have the Plus or MasterCard logo or it will not work.
- It's been reported that many international ATM’s do not keep their signage up to date as to what networks they participate in. So if an ATM won’t work, you can always go into an actual bank and get a cash advance on your debit card.
- A debit card should never be used to make hotel reservations or car rentals because those vendors block out additional funds on the card for incidental fees. This can cause you to not have available funds for other purchases.
- Always carry a copy of the front and back of debit and credit cards when traveling in a foreign country. If the cards are lost or stolen you will have the numbers to contact to cancel the cards. Keep the copies locked in the hotel room safe.
Click here for safe travel tips.