Union Bank Checking

Union Bank offers a variety of checking accounts with a choice of features to suit your needs.

Free Checking- The Union Bank Free Checking Account is just that – FREE! This account offers streamlined service with no balance or activity limits. A deposit of just $100 is required to open the account.

No minimum balance required. You’ll never have a monthly service charge.
Unlimited check writing. Use as many checks each month as you wish with no charge!
Unlimited ATM withdrawals* at any Union Bank ATM using your ATM or Debit card give you an extra measure of financial freedom at no charge.
Service 24 hours, 7 days a week is as close as any touchtone phone with Access 24 telephone banking. Enjoy quick, convenient and free automated voice response for complete information about account balance and activity.
No fee Internet Banking allows you to view balances, images of paid checks and statements anywhere, anytime, with complete security and privacy. You can also transfer funds between accounts, make loan payments, and request many other services.
No fee Bill Pay gives you the flexibility to pay all of your household bills with a click of the mouse each month! Pay any person or business in the United States, anytime, while saving postage and your valuable time. (Neither State nor Federal taxes may be paid through Bill Pay.)

* ATM withdrawals are subject to a daily dollar limit for your safety.

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Interest Checking – For customers who want full service in an interest bearing checking account, including unlimited check writing and ATM or Debit card privileges, Union Bank’s Interest Checking is the answer.

No minimum balance is required to earn interest. Interest will be credited and compounded monthly.
Unlimited check writing. Use as many checks each month as you wish with no charge!
Unlimited ATM withdrawals* at any Union Bank ATM using your ATM or Debit card give you an extra measure of financial freedom at no charge. You’ll also receive 2 FREE non-Union Bank ATM withdrawals each month.**
Service 24 hours, 7 days a week is as close as any touchtone phone with Access 24 telephone banking. Enjoy quick, convenient and free automated voice response for complete information about account balance and activity.
No fee Internet Banking allows you to view balances, images of paid checks and statements anywhere, anytime, with complete security and privacy. You can also transfer funds between accounts, make loan payments, and request many other services.
No fee Bill Pay gives you the flexibility to pay all of your household bills with a click of the mouse each month! Pay any person or business in the United States, anytime, while saving postage and your valuable time. (Neither State nor Federal taxes may be paid through Bill Pay.)

The minimum daily balance required is $1,000. If your daily balance falls below $1,000 during your monthly statement cycle, an $8 fee applies.

* ATM withdrawals are subject to a daily dollar limit for your safety.
** ATMs not owned by Union Bank may impose a surcharge for using their facilities, and those fees are collected and retained by the ATM owner.

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Golden Checking – For those 55 years or better, this account is more than just checking! In addition to competitive interest rates on your checking account balance and many free banking services, Golden Checking offers membership to the Golden Club, which sponsors travel and special events throughout the year.

No minimum balance is required to earn interest. Interest will be credited and compounded monthly.
Unlimited check writing. Use as many checks each month as you wish with no charge!
Unlimited ATM withdrawals* at any Union Bank ATM using your ATM or Debit card give you an extra measure of financial freedom at no charge. You’ll also receive 2 FREE non-Union Bank ATM withdrawals each month.**
Free club checks; Free cashier’s checks; Free money orders; Free traveler’s checks.
Discount on safe deposit box rental, subject to box availability.
Service 24 hours, 7 days a week is as close as any touchtone phone with Access 24 telephone banking. Enjoy quick, convenient and free automated voice response for complete information about account balance and activity.
No fee Internet Banking allows you to view balances, images of paid checks and statements anywhere, anytime, with complete security and privacy. You can also transfer funds between accounts, make loan payments, and request many other services.
No fee Bill Pay gives you the flexibility to pay all of your household bills with a click of the mouse each month! Pay any person or business in the United States, anytime, while saving postage and your valuable time. (Neither State nor Federal taxes may be paid through Bill Pay.)

The minimum daily balance required is $300. If your daily balance falls below $300 during your monthly statement cycle, a $3 fee applies.

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Premium Checking – For one low monthly fee, take advantage of many time-saving and valuable services included with this premiere account.

Unlimited check writing. Use as many checks each month as you wish with no charge!
Unlimited ATM withdrawals* at any Union Bank ATM using your ATM or Debit card give you an extra measure of financial freedom at no charge. You’ll also receive 2 FREE non-Union Bank ATM withdrawals each month.**
Free cashier’s checks; Free money orders; Free traveler’s checks.
Discount on safe deposit box rental, subject to box availability.
Service 24 hours, 7 days a week is as close as any touchtone phone with Access 24 telephone banking. Enjoy quick, convenient and free automated voice response for complete information about account balance and activity.
No fee Internet Banking allows you to view balances, images of paid checks and statements anywhere, anytime, with complete security and privacy. You can also transfer funds between accounts, make loan payments, and request many other services.
No fee Bill Pay gives you the flexibility to pay all of your household bills with a click of the mouse each month! Pay any person or business in the United States, anytime, while saving postage and your valuable time. (Neither State nor Federal taxes may be paid through Bill Pay.)

The monthly service charge is $8.

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VIP Checking – We’ve designed a VIP package offering the best in premium services to customers who have established multiple accounts with us. Any customer with combined balances of $5,000 or more in deposits qualifies for this special account!

Higher interest rates on all of your interest deposit accounts.
Unlimited check writing. Use as many checks each month as you wish with no charge!
Unlimited ATM withdrawals* at any Union Bank ATM using your ATM or Debit card give you an extra measure of financial freedom at no charge. You’ll also receive 6 FREE non-Union Bank ATM withdrawals each month.**
Free cashier’s checks; Free money orders; Free traveler’s checks.
Discount on safe deposit box rental, subject to box availability.
50% off ANY check order of your choice.
Service 24 hours, 7 days a week is as close as any touchtone phone with Access 24 telephone banking. Enjoy quick, convenient and free automated voice response for complete information about account balance and activity.
No fee Internet Banking allows you to view balances, images of paid checks and statements anywhere, anytime, with complete security and privacy. You can also transfer funds between accounts, make loan payments, and request many other services.
No fee Bill Pay gives you the flexibility to pay all of your household bills with a click of the mouse each month! Pay any person or business in the United States, anytime, while saving postage and your valuable time. (Neither State nor Federal taxes may be paid through Bill Pay.)
No monthly service charge unless your combined account balances fall below $5,000. A monthly service charge of $15 will be imposed every statement cycle in which combined deposits are less than $5,000.

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Could you use some Lifestyle Enhancement?
Any Union Bank customer with a transactional deposit account can enjoy hundreds of dollars worth of purchase discounts and more with the Lifestyle Enhancement program.

Lifestyle Enhancement includes all of the benefits listed below, for a low monthly fee.*

Hotel & Motel discounts. Save up to 50% at thousands of hotels and motels across America and abroad. Restaurant discounts are also available in many locations.
Prescription drug discounts. You and your family will receive discounts on many prescriptions at local participating pharmacies through the PreScrip Program.
Hearing instrument discounts. Save up to 60% off the normal retail cost of hearing instruments made by top brand name manufacturers.
Prescription eyewear discounts. Receive the guaranteed lowest prices on eyewear at thousands of locations nationwide. You’ll also have access to a network of opthamologists, in selected markets, providing members with discounts of 20% - 60% on qualified procedures.
$10,000 Accidental Death & Dismemberment Insurance with $20,000 common carrier coverage.**
Identity Watch. Protect yourself from identity theft. Enrolling in the Identity Watch program provides you with a copy of your credit report, ongoing credit monitoring and comprehensive victim assistance benefits.
Credit/Debit card registration. You may register all of your credit and debit cards with a convenient protection service. Should your cards become lost or stolen, call a toll-free number and a representative will have your registered cards cancelled and reissued immediately.
Living Family Journal. Create peace of mind from the convenience of your personal computer. Organize, record and document personal, medical and financial information with your Living Family Journal.

*$4.00 fee is auto-debited from your account each month.
**Insurance is subject to policy eligibility, terms and exclusions, and is not provided by the bank, the FDIC or any other federal government agency.

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