Looking for help with your account? Choose from the category and topics below to find answers to your questions.

Personal Checking

Checking

How do I get started with my new checking account?

For your personal checking account, visit the getting started page.

For your business checking account, visit the getting started page.

How can I avoid a Monthly Service Charge?

Bank Freely checking has a $0 Monthly Service Charge.

You can avoid a Monthly Service Charge with Priority Banking® checking with combined Average Monthly Ledger Balances of $25,000 or more, or linked to a Union Bank mortgage.

Compare checking accounts to find the best option for you.

What is the Union Bank routing number?

The Union Bank routing number (aka ABA number, routing transit number, etc.) for wire transfers and for setting up direct deposit to your Union Bank account is 122000496. If you are ordering checks, the routing number will depend on the branch where your account was opened.

Check Processing:
California - 122000496
Oregon - 123000068
Washington - 125000118

Wires:
Fed Routing Number - 122000496
International Wire Payments (SWIFT Code) - BOFCUS33MPK

How do I choose the best checking account for me?

Our checking account overview is a great place to start. Brief account descriptions will help you choose an option that will best fit your lifestyle.

What is the minimum opening deposit for your checking accounts?

Our Bank Freely and Priority checking accounts can be opened with any amount greater than $0.

Do you offer an interest-bearing checking account?

Yes. Our Priority Banking® checking account is a tiered interest rate checking account. Interest is compounded and paid monthly.

Do you offer accounts for children and teens?

We offer a Teen Access checking account for teens ages 13 to 17. This account, which requires an adult joint owner, helps teens learn about financial responsibility. When your teen turns 18, his or her Teen Access account automatically converts to a Banking By Design® checking account. We also offer Kidz Savings and Teen Savings accounts to help teach children the value of saving money. Please visit your local branch to open a child or teen account.

Can I open an account with Union Bank if my account history has been reported to ChexSystems?

Yes. Please contact your local branch for further information. Restrictions may apply. Also, for some individuals that have a negative ChexSystems record, our Union Bank Access Account may be an option.

How many checks can I write each month?

Bank Freely checking and Priority Banking checking accounts offer unlimited check writing.

What overdraft services do you offer?

Union Bank provides several services for Overdraft Protection and Overdraft Coverage to help you avoid returned transactions and other added fees.
Overdraft services that protect you against overdrafts (Overdraft Protection) may be less costly than services that may charge you an Overdraft Fee for each Debit we pay (Overdraft Coverage).

With Overdraft  Protection, you authorize us to move funds from your eligible deposit account, or credit line to pay the Debit. An overdraft is avoided and there is a single fee each day a transfer or credit line advance is made – no matter how many Debits were paid.

  • Deposit Overdraft Protection — link your eligible checking, money market or savings account to your checking account and funds will be automatically moved when there is not a sufficient Available Balance in your account. Transfer Fee may apply.
  • Overdraft Protection Linked to a Union Bank Credit Card — link your Union Bank Credit Card to your checking account and funds will be automatically moved to cover Debits when there is not a sufficient Available Balance in your account. Advance Fee may apply. Subject to credit approval.
  • Cash Reserve Account — link your Cash Reserve Account to your checking account and funds will be automatically moved to cover Debits when there is not a sufficient Available Balance in your account. Advance Fee may apply. Subject to credit approval.

With Overdraft Coverage, we may pay your transactions and charge you an Overdraft Fee for each Debit paid. In some cases, you may still be charged an Overdraft Fee even if the transaction is not paid. It’s also possible that the person or company you were trying to pay may charge you additional fees.

  • Standard Overdraft Coverage — we may cover your checks, automatic bill payments, and other transactions (at our discretion) when there is not a sufficient Available Balance in your account. Overdraft Fees may apply.
  • Union Bank Debit Card Overdraft Coverage — we may cover your ATM withdrawals and one-time debit card purchases (at our discretion) when there is not a sufficient Available Balance in your account. Overdraft Fees may apply.

See also our Personal Accounts & Services Disclosure and Agreement and Personal Accounts Fee Schedule for more information.

What is a combined balance?

A combined balance is the total balance in one or more eligible accounts that you have asked us to link to your primary checking account. For example, if you have $2,000 in your checking account and $3,500 in your linked savings account, your combined balance is $5,500.

Can I receive a combined monthly statement for all of my accounts?

Yes. You can combine up to 20 Union Bank checking, savings, and money market accounts into one organized monthly statement. Stop by any branch or log in to Online Banking for details. Please note, combined statements option is not available for online-only statements. For money market accounts, you may lose your Monthly Service Charge Discount if you choose paper statements.  Please see the Personal Accounts Fee Schedule.

How do I start banking online?

If you have a Union Bank checking account, you can start banking online by enrolling in Online Banking. Sign up now to get started. For access from your smartphone or tablet, download our Mobile Banking app for iPhone®, iPad®, or Android™ devices from the app store. #

What is an ATM mini-statement?

This abbreviated statement provides details on your last 10 transactions of any type for the account you select. It may also list the last 5 card, check, and credit transactions for the account you select. You can request an ATM mini-statement at any Union Bank ATM. An ATM mini-statement fee may apply.

Can I check my account balance over the telephone?

Yes. Our Telephone Banking service enables you to check your balances and even handle some transactions over the telephone. Use our automated Telephone Banking service or contact us at 1-800-238-4486. Online Banking customers can also check balances online.

Will I receive my canceled checks with my statement?

You can view and print the front and back of your canceled checks online when you sign up for Online Banking. Or you can receive reduced-size copies of the front of your canceled checks with your monthly statement. A check image fee may apply.

Is an ATM or debit card included with my account?

Union Bank offers an ATM or contactless-enabled debit card with your checking account upon request -- for ATM access and ability to make purchases anywhere Mastercard® is accepted.

How much can I withdraw from a Union Bank ATM?

At Union Bank ATMs, you can make a daily withdrawal of up to $500 or an amount equal to your available account balance, whichever is less. Limits may be lower or higher depending on your account type. Refer to your Card Carrier details sent with your card, or call customer service at 1-800-238-4486.

How do I reorder checks or deposit slips?

If you are a current Union Bank Online Banking customer, you can reorder checks for your personal account by signing on to Online Banking, select Services, then select Check Order. If you are not a current Online Banking customer, you can either start banking online today, call 1-800-238-4486, or visit your local Union Bank branch. You will need to provide your checking account number and routing transit number. This information is listed on the bottom of your checks or reorder form. 

What does it cost to order checks?

The cost varies by type of account, quantity, and style of checks. For more information, please visit your local Union Bank branch or call customer service at 1-800-238-4486.

Can I change my name and address on my checks or deposit slips?

Reorders placed online will include the same style, quantity, and imprinted information (name, address, etc.) as your last order. If you need to change the imprinted information or style, please call 1-800-238-4486, or visit your local Union Bank branch.

How do I change my address?

To change your address, please call 1-800-238-4486, or visit your local Union Bank branch. Online Banking customers may submit a change of address online.

What should I do if my ATM or debit card is lost or stolen?

If you realize that your ATM or debit card is lost or stolen, contact us immediately, 24 hours a day, at 1-800-238-4486.

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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