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"Free Checking" from Union Bank of California
The Basics
Debit Cards & Using ATMs
Debit Card
$0.00/yr
There is a $2.00 fee each time you use a non-affiliated ATM.
There is a $5.00 fee each time you use a ATM in another country. In addition, there is a fee calculated as 2.00% of the total amount withdrawn.
Electronic & Telephone Banking
Online Banking
Free
This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold.
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold.
You can download 90 days of transaction history in the following formats:
- Quicken 2007 and above;
- QuickBooks 2007 and above;
- MS Money for 2007 and above.
- Quicken 2007 and above;
- QuickBooks 2007 and above;
- MS Money for 2007 and above.
Online Billpay
Free
You can access your transaction history directly through Quicken and MS Money. There is a fee of $3.95 per month for the first 10 sessions and a $0.25 charge for each additional session that month.
You can access your transaction history directly through Quickbooks. There is a fee of $11 per month for the first 10 sessions and a $0.75 charge for each additional session that month.
Checks & Statements
Unlimited Check Writing
Yes
The first order of 'basic' checks is free for all new account holders.
Monthly Paper Statements
Yes
There is a $2.00 monthly fee to receive images of canceled checks with monthly statements.
Electronic Statements
Yes
Images of canceled checks can be viewed online for 7 years.
Overdrawing the Account
The Insufficient Funds Fee is $22.00 for the first 2 overdrafts, $30.00 from 3 to 5 overdrafts and $34.00 for subsequent overdrafts.
This checking account has 2 options for Overdraft Protection.
From a linked Savings Account:
- Transfer fee of $10.00 for transfers of $10 or more. The transfer fee is charged per day;
- Funds are transferred to bring the account balance to $0.00.
- Transfer fee of $10.00 for transfers of $10 or more. The transfer fee is charged per day;
- Funds are transferred to bring the account balance to $0.00.
From a linked Overdraft Line of Credit:
- Annual fee of $12;
- No transfer fee if the overdraft transfer is under $10;
- Transfer fee of $10.00 charged on transfers $10 or more. This transfer fee is charged per day;
- Funds are transferred to bring the account balance to $0.00.
- Annual fee of $12;
- No transfer fee if the overdraft transfer is under $10;
- Transfer fee of $10.00 charged on transfers $10 or more. This transfer fee is charged per day;
- Funds are transferred to bring the account balance to $0.00.
Savings and Money Market Accounts
'Regular Savings' requires $50.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.01 % at minimum balance to earn interest;
- 0.01% at minimum balance to avoid fees;
- 0.01 % at $25,000.00
- 0.01 % at minimum balance to earn interest;
- 0.01% at minimum balance to avoid fees;
- 0.01 % at $25,000.00
The account has a monthly service fee of $3.00. This fee can be waived if you:
- Maintain a minimum balance of $300.00;
- Deposit $25 or more into this account each month.
- Maintain a minimum balance of $300.00;
- Deposit $25 or more into this account each month.
'Money Market Account' requires $2,500.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.01% at minimum balance to earn interest;
- 0.05% at minimum balance to avoid fees;
- 0.10% at $25,000.00
- 0.01% at minimum balance to earn interest;
- 0.05% at minimum balance to avoid fees;
- 0.10% at $25,000.00
The account has a monthly service fee of $10.00. This fee can be waived if you maintain a minimum balance of $2,500.00.
'Preferred Savings' requires $10,000.00 to open and $0.00 to earn interest. To have this account, UBOC also requires a linked personal UBOC checking account with at least 1 direct deposit of $100.00 or more OR at least 4 ATM/debit card purchases or payments per monthly statement cycle.
Current APY Information:
- 0.05% at minimum balance to earn interest;
- 0.25% at minimum balance to avoid fees;
- 0.25% at $25,000.00
- 0.05% at minimum balance to earn interest;
- 0.25% at minimum balance to avoid fees;
- 0.25% at $25,000.00
The account has a monthly service fee of $15.00. This fee can be waived if you maintain a minimum balance of $10,000.00.
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