Primary benefits

Low monthly service charge

Choose Business Basics Checking with limited monthly transactions for easy ways to save

$1,000 in cash deposits/statement

Make cash deposits of up to $1,000 per statement cycle for no fee

50 transactions per month

Conveniently conduct your business with up to 50 no-fee transactions every month

Choose your features

Online Banking with Bill Pay

Safely and conveniently check your business account balances, transfer funds and more#

Mobile Banking with Check Deposit

Use your mobile device to securely and conveniently deposit checks for your business anytime, anywhere#

Debit Card with Digital Wallet

Union Bank® Debit Mastercard® Business Card offers you a convenient and secure way to access your money, and make payments and purchases with ApplePay®, GooglePay™, and Samsung Pay®# #

Product Guide

Read our product guide for more information about this account.

Additional checking account information

Monthly Fees and ATM Fees

Monthly Service Charge
$5 with online statements

$7 with paper statements.
How to avoid the monthly service charge
No Monthly Service Charge when you have any one of the following (during each monthly statement period):
  1. $1,000 Daily Checking Minimum Balance
  2. $3,000 Monthly Checking Average Balance
  3. $5,000 Monthly Combined Balance of linked business accounts#
Monthly Activity Fee: Combined transactions
Combined Transactions at no charge - 50#

Additional Combined Transaction - $0.40
Monthly Activity Fee: Cash Deposited
Cash Deposit – no charge - $1,000

Additional Cash Deposit per $1,000 - $2
ATM Fees: Union Bank ATM Transactions
$0 When using a Union Bank ATM to complete deposits, withdrawals, and transfers between linked Union Bank accounts.

$1 When using a Union Bank ATM to obtain a mini statement.
ATM Fees: Non-Union Bank ATM Transactions
$2 For any Inquiries, Transfers, or Withdrawals while using a domestic non-Union Bank ATM, plus any fees the ATM owner or operator may charge.

$5 For any Inquiries, Transfers, or Withdrawals while using a non-Union Bank ATM outside of the U.S., including Puerto Rico and the U.S. Virgin Islands, plus any fees the ATM owner may charge.

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)
$10 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 cash reserve account (subject to credit approval)
$10 Advance Fee each day an advance of $10 or more occurs from the Business Cash Reserve Account.

Annual Percentage Rate (APR): (rates as of 01/01/2019)

16.8% for credit lines < $5,000

14.8% for credit lines ≥ $5,000

$25 Annual Fee.

Advances are subject to available credit on the Business Cash Reserve Account. The Advance Fee and Annual Fee are charged to the Business Cash Reserve Account. Ask a banker about current rates. Other terms and conditions apply and are subject to change. Please see the Business Cash Reserve Account Disclosure and Agreement for details.
Business line overdraft protection (subject to credit approval)
$10 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.

Ask a banker about the Business Line Overdraft Protection service including rates, other fees, terms and conditions. Terms subject to change. Please see the Line Overdraft Protection Service Agreement and Disclosure for details.
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.

$15 Per Item, if the stop payment order is placed through Online Banking or Telephone Banking Direct Service at 800-238-4486.
Deposited item returned fee
$9 For each Item you deposit or each check cashed that is returned unpaid. Example: You deposit a check from someone who didn’t have enough money in their account. 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 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 (must enroll to use service)
$15

Overdraft Choices

Learn more about overdraft protection

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 PayTM, 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 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.

You’re leaving Union Bank

By clicking on the link below, you will leave the Union Bank website and enter a privately owned website created, operated, and maintained by another unaffiliated business. By linking to the website of this private business, Union Bank is not endorsing its products, services, or privacy or security policies. If you accept third-party goods or services advertised at our website, the third party may be able to identify that you have a relationship with us (for example, if the offer was made only through our site).

The information that this private business collects and maintains as a result of your visit to its Web site, and the manner in which it does so, may differ from the information that Union Bank collects and maintains. (Refer to the Privacy & Security section for privacy protections Union Bank provides to its Web site visitors). If you provide the business with information, its use of that inforation will be subject to that business's privacy policy. We recommend you review their information collection policy, or terms and conditions to fully understand what that business collects. We are not responsible for the information collection practices of the other Web sites that you visit and urge you to review their privacy policies before you provide them with any personally identifiable information.

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