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Platinum Rewards Checking

Maintain a $25,000 combined deposit balance in your checking or savings accounts and receive the Platinum Rewards Checking account for FREE. Otherwise, only pay $8 a month or $7 a month when you sign up of e-statements.

Financial Benefits

Debit Card with Rebates. Members receive a free debit card and up to five rebates per month on ATM surcharges from any ATM we do not own or operate nationwide.

Personalized Checks – One order of standard basic checks will be provided annually to you at no additional charge.

CD Bonus – As long as you are a member of the Platinum Rewards Checking account, you will receive a Certificate of Deposit rate .20% higher than our stated rate. Some restrictions apply.

Safe Deposit Box – Receive the first year rental free on a 3x5 or a $15 discount on any size safe deposit box depending upon availability.

Internet Banking and Bill Pay – Bank online, Save money on stamps, and pay all your bills online. Ask us for details.

Check Images – Members receive a monthly statement with checks imaged.

Overdraft Privilege – With this discretionary service, we will consider, with out obligation on our part, payment of your reasonable overdrafts. Normal charges apply.

$50 Discount on Mortgage Closing Cost – When you finance a home with us, you will receive $50 off your closing cost

Personal Loan – Receive 1/4% discount on a personal loan with automatic payment from your Union Bank account

Security Benefits

24-hour Accidental Death & Dismemberment Insurance and Common Carrier Coverage - First Advantage Coverage includes $10,000 in Accidental Death Insurance 24 hours a day. Your Accidental Death Coverage increases to a total of $100,000 when you travel by a licensed Common Carrier.

Travel Assistance Service – Many travel assistance services are included with the above insurance plan and are accessed by simply calling a toll-free number. Also included are valuable medical and emergency assistance services such as medical evacuation and repatriation of remains benefits while traveling more than 100 miles from your home, including abroad. Simply call a toll-free number for support.

Identity Theft Protection Identity IQ Protect Pro - By enrolling Platinum Rewards Checking, you become eligible for one complimentary Identity IQ Protect Pro membership per household.  This is an OPTIONAL service & requires separate enrollment on your behalf.  Your membership in Platinum Rewards Checking DOES NOT AUTOMATICALLY INCLUDE an Identity IQ Protect Pro membership.

Identity Theft 911 - Defend yourself and your family from the problems created by identity theft. If you become a victim of identity theft, call the toll-free number and you will be assigned to a highly qualified personal advocate who is the single source of contact in helping you resolve your problem from start to finish. You save time and avoid frustration and the problem gets corrected with the help of an expert. You will also have access to a website for receiving valuable information about identity theft issues.

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.

Shopping, Travel, Entertainment Discounts With EasySaver

Grocery Coupons – Save up to $1,000 on groceries, home and health-care products pet products and supplies and more from trusted brands at top stores.

Up to 50% savings on brand name products by phone or online – As an Easy Saver customer, save on brand name products for your home and lifestyle needs, including Black & Decker, IBM, KitchenAid, Sony Digital Cameras, Fischer-Price Toys, and much more!

Travel Savings and Vacation Packages – You can save up to 40% on cruises and vacation packages, simply by calling the toll-free number or going online to book your next vacation. Your membership entitles you to save up to 50% on each night of your stay at thousands of hotels and motels across America and abroad. Restaurant discounts are also available within many of these facilities.

Health Benefits

Prescription Drug Discounts – Available through EasySaver program, you and your family will receive discounts on your prescriptions through local participating pharmacies.

Prescription Eyewear Discounts – You receive guaranteed lowest prices on eyewear at thousands of locations nationwide plus a 30-day satisfaction guarantee. You also have access to a network of ophthalmologists in selected markets providing members a 10% to 30% discount on qualified procedures.

Free Checking


  • No monthly service charge regardless of balance
  • $650 automatic overdraft privilege*
  • FREE check safekeeping
  • Unlimited check writing, ATM & debit card transactions
  • $100 minimum opening and re-opening deposit
  • Customer receives monthly statement itemizing the month’s activity; however, the customer does not receive images. Checks are filmed and stored for 90 days.  Customers opening this account type are encouraged to order duplicate checks since you will not receive images in your statements.


Union E-Bank Account


  • No monthly service charge regardless of balance
  • $650 automatic overdraft privilege*
  • FREE check safekeeping
  • Unlimited check writing, ATM & debit card transactions
  • $100 minimum opening and re-opening deposit

Classic 50 Checking


  • Designed exclusively for customer 50+
  • $650 automatic overdraft privilege*
  • No monthly service charge
  • No membership fee
  • Free wallet-style “specialty gray” checks; all other personal checks are half price
  • 20% discount on safe deposit box
  • Bonus CD rates (based on CD balance)              
    $25,000—$49,999—stated rate + .05            
    $50,000—$74,999—stated rate + .10             
    $75,000 + - stated rate plus + .15
  • Unlimited check writing, debit/ATM transactions
  • $100 minimum opening and re-opening balance

Super Union Account


  • $750 Minimum balance requirement ($7.50 charge will be imposed if balance falls below $750 any day during the statement cycle)
  • $650 automatic overdraft privilege*
  • Unlimited check writing
  • Refer to our rate sheet for interest rate.  Interest subject to change at any time.  Interest will be compounded monthly and credited to the customer’s account each 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.

Automatic Overdraft Privilege


  • $650 privilege on Platinum Rewards Checking, Classic 50, Free Checking Plus, e-banking, existing Student accounts and Super Union.  Customers are charged the NSF charge for each item but checks are paid—not returned
  • The privilege is a courtesy and may be discontinued for any customer at any time
  • 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 repayment plan  (Fresh Start).  If repayment plan is not adhered to, accounts will be subject to collection procedures
  • Commercial/Business accounts and Money Market Accounts are not eligible

*Subject to approval

Overdraft Privilege Policy

It is the policy of the Union Bank to comply with applicable laws and regulations and to conduct business in accordance with applicable safety and soundness standards.

An insufficient balance may result from 1) the payment of checks, electronic funds transfers or other withdrawal requests; 2) payments authorized by you; 3) the return, unpaid, of items deposited by you; 4) the imposition of bank service charges; or 5) the deposit of items which according to the Bank’s Funds Availability Policy, are treated as not yet “available” or finally paid.

We are not obligated to pay any item presented for payment if your account does not contain sufficient collected funds.  However, if you maintain your account in good standing, defined as a)  Making regular deposits; b) bringing the account to a positive balance every 30 days or less; and c) there are no legal orders outstanding; we will approve your reasonable overdrafts as a non-contractual courtesy.  Generally, we will not approve an overdraft for you in excess of $650, for personal checking accounts.  These limits include our Overdraft Item Fee and/or Return Item Fee Charge(s).  We may refuse to pay an overdraft for you at any time, even though we may have previously paid overdrafts for you.    You will be notified by mail of any non-sufficient funds items paid or returned that you may have; however, we have no obligation to notify you before we pay or return any item.  The amount of any overdrafts plus our Overdraft Item Fee and/or Return Item Fee charges that you owe us shall be due and payable upon demand.  If there is an overdraft paid by us on an account with more than one owner on the signature card, each owner, and agent, if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdrafts, plus our Overdraft Item Fee and/or Return Fee charges.

Limitations:  Available only to consumer accounts (excluding Money Market accounts) for personal and household use and we may limit the number of accounts eligible for Automatic Overdraft Privilege to one account per household.  Additionally, we reserve the right to not approve any overdrafts against your account until we can verify that your account is being maintained in good standing as defined above.

Account Fees:  Whether we pay or return a Non-Sufficient Funds item, a Flat per-item handling fee will be charged to your account as a Non-Sufficient Funds or Overdraft (NSF/OD) charge, as set forth in our common fee schedule.