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Union Bank

Checking

From simple transactional to interest-bearing, we offer a variety of accounts with convenient electronic services like online banking, e-statements and debit cards. All accounts are FDIC insured, most without fees when you meet the requirements for your selected program.
 

Simple Checking

A straight-forward account for customers who don't need paper statements.
  • No monthly minimum balance
  • No monthly service fees
  • $100 minimum balance required to open the account
  • Features include:
    • Free ATM and Dime-a-time debit card
    • Free monthly eStatements ($3/mo. paper statements; $5/mo. paper statements with check images)
    • Free Online and mobile banking
    • Online Bill Pay for $0.50 per bill pay
 

Flexible Checking

Avoid monthly service charges by meeting basic requirements with Flexible Checking.
  • Monthly minimum $500 average balance to avoid a $5 service charge. Monthly service charge can be waived if you meet one of the following qualifications:
    • Combine monthly direct deposit of at least $500
    • Receive statements electronically (eStatements)
    • Primary account holder is 50+ years old
  • $100 minimum balance required to open the account
  • Features include:
    • Free ATM and Dime-a-time debit card
    • 4 foreign ATM fee refunds per month. ATM owners' fee may still apply.
    • Free monthly eStatements or paper statements ($2 additional for images of checks with paper statements)
    • Free online and mobile banking
    • Free online Bill Pay
 

Advantage Checking

Unlimited checking with the added advantage of earning interest.
  • Monthly minimum average balance of $1,000 to avoid a $10 service charge.
  • $500 minimum balance required to open the account
  • Features include:
    • Tiered interest rates
    • Free ATM and Dime-a-time debit card
    • Free online Bill Pay
    • Free online and mobile banking
    • Free monthly eStatements or paper statements ($2 fee for images of checks with paper statements)
    • Unlimited check writing
 

Bonus Checking

Unlimited checking with added bonuses, including one free box of checks per year.
  • No monthly minimum balance
  • $6 monthly service charge
  • $100 minimum balance required to open the account
  • Features include:
    • Free ATM and Dime-a-time debit card
    • Free online Bill Pay
    • Free online and mobile banking
    • Free monthly eStatements or paper statements ($2 fee for images of checks with paper statements)
    • Unlimited check writing
    • One free box of checks annually
    • $10,000 AD&D Insurance
    • Identity Fraud Support
    • Everywhere Cash Savings
    • 1/4% discount on consumer loans
    • $100 discount on mortgage closing costs
 

1-2-3 Rewards Checking

Earn rewards for using your account along with premium interest rewards for meeting monthly transaction requirements.
  • Monthly minimum average balance of $1,000 to avoid a $10 service charge
  • $100 minimum balance required to open the account
  • Receive interest on the daily average balance
  • Earn a monthly interest reward by completing the following transactions each month1:
    • 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)
  • Account requires eStatements
  • Additional features include:
    • Free ATM and Dime-a-time debit card
    • Free online Bill Pay
    • Free online and mobile banking
    • Unlimited check writing
 
¹123 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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