Checking Options

Whether you're looking for your first checking account or one that offers great rewards, we've got you covered!

Our newest account is focused on teaching teens financial literacy and about making financially sound decisions. Stop into your local branch with your teen to open their account today.

Checking Accounts

Your Union Checking Account includes these value added services:

VIP Platinum MasterCard® Debit Card
Online Banking & Mobile Banking
Unlimited Online & Mobile Bill Pay
Complimentary Notary Services
Loan Discount - 0.25% rate discount on your new Union Bank consumer loan when you set up automatic payment from a Union Bank checking account.
Safe Deposit Box Discount - 50% off of a safe deposit box for one year, where available.

Enjoy a $200 Welcome Bonus!*

*Open a new Union Rewards Cash Back or Union Rewards High Interest checking account and earn $200 when you receive direct deposits or ACH credits totaling at least $500 within 90 days of account opening. Offer available to new consumer checking customers only; limited to one bonus per account. Existing Union Bank checking customers are not eligible. Bonus will be deposited to your account within 30 days after the 90-day qualification period if your account remains open and in good standing. Minimum to open is $50. Bonus may be reported as income. For current interest rates and annual percentage yields, visit https://www.theubank.com/rates. Offer effective as of January 6, 2025, and subject to change without notice. Additional terms may apply.

Union Rewards Cash Back

Union Rewards - Cash Back

$50.00 minimum opening balance.
No monthly service charge.
Non-interest bearing account.
Earn $5.00 cash back and receive up to $15.00 in foreign ATM fee refunds (per monthly statement cycle), when qualifiers are met.
To qualify for Cash Back Rewards:
- ≥20 debit card point-of-sale transactions must be posted and cleared per monthly statement cycle; plus
- Combined direct deposit of at least $500.00 must be posted and cleared per monthly statement cycle.

Union Rewards High Interest

Union Rewards - High Interest

$50.00 minimum opening balance.
No monthly service charge.
Tiered interest, when qualifiers are met. See deposit rates here.
To qualify for High Interest Rewards:
- ≥20 debit card point-of-sale transactions must be posted and cleared per monthly statement cycle; plus
- Combined direct deposit of at least $1,000.00 must be posted and cleared per monthly statement cycle.

Convenient Account Access

VIP Platinum Mastercard® Debit Card

Your debit card has the following shopping and security benefits:

Extended Warranty Insurance can double the time period and duplicates the coverage of the original manufacturer's or U.S. store brand warranty on new products for a maximum of one year.
Price Protection can guarantee cardholders the best price on new products purchased with an eligible card by providing a refund on the difference if you find a lower price within 60 days of purchase.
Satisfaction Guarantee can provide up to $250.00 per new product if you become dissatisfied with your product within 60 days of purchase and the merchant will not accept a return.
Identity Theft Resolution with Wallet Protection protects you if someone attempts to steal your identity. MasterCard® will provide services to report and help resolve the incident.
MasterCard® Global Service provides around-the-clock customer service for all of your account-related questions.
MasterCard® Zero Liability protects against unauthorized purchases on your card should your card be lost or stolen.
Purchase Assurance® insures you against theft, damage, or loss of most new items for 90 days after you buy them.

Digital Wallet

With our Mobile App, you can build your Digital Wallet for banking on the go:

Apple Pay / Google Pay / Samsung Pay

Use your smartphone to pay for purchases by simply loading your Union Bank Debit Card information into the pay app for your phone. Using your smartphone to make payments at the register is as easy as using your debit card, only quicker and more secure.

Learn more about how to set up your contactless payment option: