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Checking

Union Bank has a variety of checking accounts – one to suit every need. From Free Checking Plus with Automatic Overdraft Privilege to Commercial Checking, we have an account for everyone!

FREE CHECKING PLUS

•		No monthly service charge regardless of balance.
•		Free check safekeeping.
•		Unlimited check writing, ATM & Debit Card transactions.
•		$100 minimum opening and/or re-opening deposit.
•		Customer receives monthly statement itemizing the month’s activity; however, the customer does not receive the cancelled checks. They are micro-filmed and stored for 90 days before being destroyed.

E-BANKING

•		No monthly service charge regardless of balance.
•		$300 automatic overdraft privilege.
•		Unlimited check writing, ATM & debit card transactions.
•		$100 minimum opening and re-opening deposit.
•		Free personalized checks with e-statement*.
•		Free online banking.
•		Free Bill Pay.
•		Free debit card.

PREFERRED CHECKING

•		Tiered monthly service charge based on balance:
			1. $500 and over	no service charge
			2. $0 - $499	$5.00
•		Receive imaged monthly statement.
•		Unlimited check writing, ATM & Debit transactions.
•		$500 automatic overdraft privilege.
•		$100 minimum opening and re-opening deposit.

CLASSIC 50 CHECKING

•		Designed exclusively for customers age 50+.
•		$500 automatic overdraft privilege.
•		No monthly service charge.
•		No membership fee.
•		Free wallet-style “specialty gray” checks; all other personal checks half price.
•		20% discount on safe deposit box.
•		Bonus CD rates (based on CD balance).
			1. $25,000 - $49,999 customer receives .05 above stated rate.
			2. $50,000 - $74,999 customer receives .10 above stated rate.
			3. $75,000 and above customer receives .15 above stated rate.
•		Unlimited check writing, ATM/Debit transactions.
•		Fee-free traveler’s checks.
•		$100 minimum opening and/or re-opening deposit.
•		Receive imaged monthly statement.

SUPER UNION ACCOUNT

•		$750 minimum balance requirement ($7.50 charge will be imposed if balance falls below any day during the cycle).
•		$500 automatic overdraft privilege.
•		Unlimited check writing.
•		Refer to your weekly rate sheet for interest. Interest subject to change at any time. Interest will be compounded monthly and credited to customer’s account every month. If account is closed before interest is credited, accrued interest is forfeited.
•		Sole proprietors are eligible for this account; corporations and partnerships are not.
•		Receive imaged monthly statement.

HEALTH SAVINGS ACCOUNT

•		No monthly service charge regardless of balance.
•		Unlimited check writing and debit card.
•		$25 minimum opening and re-opening deposit.
•		Monthly statement with images.
•		Earns interest.

AUTOMATIC OVERDRAFT PRIVILEGE

•		$300 privilege on free checking plus and existing student accounts.
•		$500 privilege on preferred checking, classic 50, and super union.
•		Customers are charged the NSF charge for each item but checks are paid and not returned.
•		The privilege is a courtesy and may be discontinued for any customer at any time.
•		New accounts must be open and in good standing a minimum of 30 days before being granted the privilege.
•		Accounts receiving the privilege must have a positive balance at least one day in a 30-day period.
•		Accounts not maintained in good standing will be offered a re-payment plan. If re-payment plan is not adhered to, accounts will undergo collection procedures.
•		Commercial/business accounts and money market accounts are not eligible.
		Click Here to view our Overdraft Privilege Policy.
•		Receive imaged monthly statement.

COMMERCIAL CHECKING ACCOUNT

•		Tiered monthly service charge based on balance:
			1. $500 and over	no service charge
			2. $0 - $499	$5.00
•		Receive imaged monthly statement.
•		Unlimited check writing, ATM & Debit transactions.
•		This account is not eligible for automatic overdraft privileges.
•		$100 minimum opening deposit and $100 minimum re-opening deposit.