Minimum Opening Deposit
This account requires a direct deposit. A $100.00 deposit is required to open this account.
$100.00
Monthly Service Fee
The Monthly Service Fee of $7.00 can be waived by:- Having at least one Direct Deposit;- A Single Mobile Check Deposit of $250.00 *There is a $2 discount when you enroll in eStatements.
$7.00
Debit Cards & Using ATMs
Debit Card
$0.00/yr
ATM Fee Reimbursements
This account includes rebates of ATM fees when you use non-affiliated ATMs with the following limits:- Rebates for up to 2 transactions per month.This is an optional service and only applicable for account holders who choose to pay $3.00 per month for the ATM waiver add-on.
Yes
Non-affiliated ATM Usage Fee
There is a $2.00 fee each time you use a non-affiliated ATM.*Account holders can pay $3.00 per month for the add-on feature which waives two ATM fees from Union and rebates two non-Union Bank fees per statement period.
$2.00/per use
International ATM Usage Fee
There is a $5.00 fee each time you use a ATM in another country.
$5.00/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, transfer funds;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Free
Deposit Checks with Mobile Phone
Free
Person-to-Person Payments
No fee thru SendMoney, powered by PayPal. Recipients of payments for goods and services may be charged a fee by PayPal.
Free
Email Alerts
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.
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
For $1.00 a month, you receive an unlimited supply of Union Bank Exclusive personalized checks. For $1.75 a month, you receive an unlimited supply of checks in any style
Yes
Monthly Paper Statements
There is a $2.00 monthly fee to receive statements by mail.
$2.00/month
Check Images with Statements
There is a $3.00 monthly fee to receive images of canceled checks with monthly statements.
$3.00/month
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online..
Yes
Overdrawing the Account
Negative Balance Fee
There is a $6.00 fee for a negative balance after 6 calendar days with less than a $0.00 balance. After that, this fee is assessed every day for up to 5 business days with a negative balance.
Yes
Returned Item Fee
The Insufficient Funds Fee is $33.00 per overdraft.
$33.00/per item
Overdraft Protection
This checking account has 4 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $10.00. The transfer fee is charged per day;- Funds are transferred to bring the account balance to $0.00.From a linked Alternate Checking Account:- Transfer fee of $10.00. The transfer fee is charged per day;- Funds are transferred to bring the account balance to $0.00.From a linked Credit Card Account:- Transfer fee of $10.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- Annual fee of $12.00;- Transfer fee of $10.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.