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Union Bank

1-2-3 Rewards Checking

1-2-3 Rewards Checking

Union Bank's 1-2-3 Rewards Checking account rewards you for your relationship.  1-2-3 Rewards Checking just got better!   The account now provides customers instant access to incredible discounts, cell phone protection, roadside assistance, and much more using the UB Perks app powered by BaZing - all while earning interest on your checking balance!   

The Basics 


Minimum balance requirements - Maintain a minimum average daily balance of $1,0005, and we'll waive the monthly maintenance fee. Only $500 opening deposit to get started.

Monthly maintenance fee - All for just $10 per month. Maintain a minimum average daily balance of $1,0005, and we'll waive the monthly maintenance fee.

Earn a monthly interest reward by completing the following transactions each month6
  • Receive a combined total of $1,000 directly deposited into the account
  • Make 15 or more debit card purchases of at least $15 each
  • Have one electronic ACH debit from the account (i.e. an automatic bill or Bill Payment through online banking)
ATM or Debit Card - Free ATM and Dime-a-Time Debit Card.
Anywhere Banking Tools - Online banking, mobile banking, bill pay, debit card and eStatements.

Bounce Protection - Up to $1,000 for 1-2-3 Rewards customers.


Benefits You'll Use 

BaZing Fuel 4 - Earn 10¢/gal for up to 20 gallons each month with just 15 debit card swipes.

Roadside Assistance - Available 24/7 and free to use, up to $80 in covered service charges.

Health Savings Card - Save money on prescriptions, eye exams, frames, lenses and hearing services.

Cell Phone Protection1,2 - Receive up to $600 per claim ($1,200 per year) if your cell phone is broken or  stolen.

ID Theft Aid1,2,3 - Includes payment card fraud resolution, $10,000 in personal identity theft benefit, and identity restoration.

$10,000 Travel Accidental Death Coverage 2 - Peace of mind for the unexpected. 

Shop Local, Save Local with BaZing Savings - Local discounts and national retailer deals to save you money on shopping, dining, travel & more.

Download UB Perks Today! 


1 Subject to the terms and conditions detailed in the Guide to Benefits.
3 Identity and credit monitoring require additional activation for monitoring to begin.
4 You’ll receive a one-time activation reward of $0.10 per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice.

5 The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period

6 123 Rewards checking account must qualify each month to earn the premium interest reward. To qualify the following transactions must post to the account during the qualification cycle: 1. total of $1,000 in direct deposit(s) 2. 15 or more debit card transactions that are for a transaction price of at least $15. Qualifying transactions must post and clear the account during the monthly qualification cycle which may take one or more business days to clear from the date the transaction is made. 3. One electronic ACH debit. Qualification cycle means a period beginning the first day of the current statement cycle through the last business day of the current statement cycle. If transaction requirements are not meet, the account will earn the current interest rate.

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