Bank Freely™ Business checking
Open with any amount greater than $0
Primary benefits & features
Ideal for general operating and payroll checking accounts – enjoy the benefits of a business checking account with no Monthly Service Charge
Unlimited Combined Transactionsand no charge for the first $10,000 of cash deposited each statement period
$0 Union Bank® ATM Fees at any ATM worldwide
Two rebates for non-Union Bank ATM fees per statement period
Safely and conveniently check your business accounts, including operating and payroll checking account balances, transfer money and more
Product guide
Read our product guide for more information about Bank Freely Business checking.
Additional business checking account information
Monthly fees and ATM fees
| Monthly Service Charge | $0 |
| Activity Fee: Combined transactions | Combined Transactions – Unlimited |
| Activity Fee: Cash Deposited | Cash Deposit – First $10,000 at no charge per statement period Additional Cash Deposit per $1,000 - $2.50 |
| ATM Fees: Union Bank ATM Transactions | $0 When using a Union Bank ATM to complete deposits, withdrawals, and transfers between linked Union Bank accounts. |
| ATM Fees: Non-Union Bank ATM Transactions | $0 For any inquiries, transfers, or withdrawals while using a domestic non-Union Bank ATM. $0 For any inquiries, transfers, or withdrawals while using a non-Union Bank ATM outside of the U.S. Union Bank will rebate the first two surcharge fees assessed by non-Union Bank ATM owners or operators worldwide per statement period. |
Fees for using your account when funds are not available:
| Overdraft fees | $33 For each Debit/Item received for payment when you do not have enough money in your account or through an Overdraft Protection service. The fee is charged when the Debit is paid (Overdraft Item Paid) or returned (Overdraft Item Returned). There is a maximum of 6 Overdraft Fees per day. We will not charge this fee if your account is overdrawn less than $5. |
| Continued overdraft fee | $7 Daily fee is charged for up to 5 Business Days beginning the 7th calendar day the account has been continuously overdrawn. The 1st calendar day is the day the overdraft occurred. No more than $35 will be charged for each period of continued overdraft. |
| Business deposit overdraft protection transfer fee (if you are enrolled) | $0 Each day a transfer of Available Funds is made through Business Deposit Overdraft Protection. Please see the Business Accounts & Services Disclosure and Agreement for details. |
| Business Line Overdraft Protection – (Subject to credit approval) | $0 Daily advance fee will be charged to each designated eligible checking account each day an advance is made from your Business line of credit. Advances are subject to available credit on the Business line of credit. |
| Stop payment fee | $30 Per Item, or range of Items if the stop payment is placed through Telephone Banking Personal Service or at a Branch. |
| Deposited item returned fee | $9 For each Item you deposit or each check cashed that is returned unpaid. Example: You deposit a check from an account that didn’t have enough money. The amount of the deposit will be subtracted from your balance and you will be charged the Deposited Item Returned Fee. |
| Automatic re-clear fee | $4 For each Item you deposit or each check cashed that is returned unpaid, there is the option to have the Item automatically re-deposited. Enrollment in this service is required. |
Fees for additional business banking services
| Outgoing domestic wires | $15 Online Financial Center $20 Online Banking for Small Business $20 Direct Access $35 Branch – In Person $65 Telephone |
| Outgoing international wires – USD | $20 Online Financial Center $45 Direct Access $55 Branch – In Person $75 Telephone |
| Outgoing international wires - Foreign currency | $15 Online Financial Center $35 Direct Access $45 Branch – In Person $75 Telephone |
| Online financial center wires monthly maintenance (to enroll in and use service) | $15 |
Debit card information
The Union Bank® Debit Mastercard® offers you a convenient and secure way to access your money and make payments. Make purchases quickly and easily online, by phone, or at millions of merchant locations worldwide.
Pay your bills over the phone or online.
Make purchases wherever Apple Pay®, Google Pay™, or Samsung Pay® are accepted. Learn how to add your card.
Access cash at ATMs around the world.
Account terms
View account terms
Online Banking Service Agreement
Download the Online Banking Agreement
Routing information
| Bank Location | Bank Routing Number |
| California | 122000496 |
| Oregon | 123000068 |
| Washington | 125000118 |
SWIFT information
| Wire type | Routing number |
| Fed Routing Number | 122000496 |
| International Wire Payments - SWIFT Code | BOFCUS33MPK |
Order business checks
At Union Bank it is easy to order your business checks online or by phone.
Online - visit deluxe.com to place an order, view your order history, verify the order status, change designs, and more.
Phone - discuss your unique business needs with a Deluxe Business Product Expert at 1-888-239-0558.
For account information details and terms and conditions governing our deposit accounts, see applicable Business Product Guide, Business Accounts & Services Disclosure and Agreement and applicable Business Deposit Fee Schedule.
Looking for the FinCen Attestation Form? You can find it here.