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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

small green check markMinimum balance requirements - Maintain a minimum average daily balance of $1,0004 and we'll waive the monthly maintenance fee. Only $500 opening deposit to get started.

small green check markMonthly maintenance fee - All for just $10 per month. Maintain a minimum average daily balance of $1,0004 and we'll waive the monthly maintenance fee.

small green check markEarn a monthly interest reward by completing the following transactions each month5: 
  • 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)

small green check markATM or Debit Card - Free ATM and Dime-a-Time Debit Card.

small green check markAnywhere Banking Tools - Online banking, mobile banking, bill pay, debit card and eStatements.

small green check markBounce Protection - Up to $1,000 for 1-2-3 Rewards customers.

Benefits You'll Use

small green check markBillshark3 - Let our team of experts negotiate your bills on your behalf or cancel subscriptions that you longer want or need.

small green check markRoadside Assistance - Available 24/7 and free to use, up to $80 in covered service charges.

small green check markHealth Savings Card - Save money on prescriptions, eye exams, frames, lenses and hearing services.

small green check markCell Phone Protection1,2 - Receive up to $800 per claim ($1,600 per year) if your cell phone is broken or stolen.

small green check markID Theft Aid1,2 - Includes payment card fraud resolution, $10,000 in personal identity theft benefit and identity restoration.

small green check mark$10,000 Travel Accidental Death Coverage2 - Peace of mind for the unexpected. 

small green check markShop 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


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1 Subject to the terms and conditions detailed in the Guide to Benefits.
2 Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.
3 Billshark requires additional activation to begin
4 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

5 123 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.