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

Online and Mobile Banking

Online Banking

What features does this service offer?

With Online Banking, you can pay bills; transfer funds between Union Bank® accounts; transfer funds from and to external bank accounts; and view your account balances, transactions, statements, paid checks, deposited checks, and deposit slips.

How do I get started?

You may sign up for Online Banking today if you have a Union Bank checking, savings or a money market account, or a CD, Mortgage, or loan, as well as a UnionBanc Investment Services (UBIS) Portfolio Connection® # brokerage account. You can access Online Banking immediately with your debit or ATM card and PIN or your telephone banking PIN. Sign up now to get started.

If I don't have a Union Bank debit or ATM card, can I still sign up for Online Banking?

Yes. Please visit the enrollment page.

What is my password?

Your Online Banking password is a combination of letters and numbers that you select. It is separate from your PIN.

Which accounts can I access with Online Banking?

You can use Online Banking with the following account types:

  • Checking accounts
  • Money market accounts
  • Savings accounts
  • Portfolio Connection® # brokerage accounts from UnionBanc Investment Services, a subsidiary of Union Bank
  • Time Deposit Accounts (CDs)
  • Individual Retirement Accounts
  • Mortgages
  • Consumer loans
  • Lines of credit
  • Cash Reserve Accounts

How do I change my address?

Sign on to Online Banking, go to Profile and select Change Address. Or call us at 1-800-238-4486 and speak to a Client Service Representative.

What is my User ID?

Your User ID is a unique identifier that can be a a combination of letters and numbers that you select to identify yourself to us when you sign on to Online Banking.

What do I do if I forget my password?

Click on the Forgot Password link on the password page. Follow the steps to select a new password.

How do I change my password?

Sign on to Online Banking, go to Profile, then select Change Password.

Who can I pay with Online Bill Pay?

You can make a payment to any individual, business, or merchant with a United States address. We strongly advise against using Bill Pay to pay your taxes, as local, state, and federal agencies frequently require that coupons accompany these payments. Union Bank will not be liable for any penalties resulting from late or missing tax payments.

When are online bill payments debited from my account?

Payments you schedule are paid in one of three ways:

  • "Electronic" — sent on your behalf by our payment processor. Your account is debited on the "Arrive By" date you selected.
  • "Check" — mailed on your behalf by our payment processor. Your account is debited on the "Arrive By" date you selected.
  • "Draft" — mailed on your behalf by our payment processor. Drafts are very much like checks you have written yourself. They are delivered by the "Arrive By" date and are debited from your account when the payee deposits or cashes the draft for payment.

What happens if the payment doesn't make it on time or the merchant doesn't receive it?

First, call the merchant to verify whether the payment was received. If not, sign on to Online Banking and then view the status of the payment. If you have questions or need to file a claim, call us at 1-800-238-4486 with the information. We will begin our investigation promptly, and are required to notify you in writing within 10 business days (or 20 business days for new accounts) with the status or resolution of your claim. During our initial investigation, if we need any additional information we’ll contact you immediately.

How can I learn more about Online Bill Pay?

View our Online Bill Pay instructional videos here.

From which accounts can I pay bills?

Bill Pay is available for any Union Bank checking account or money market account, as well as for the UBIS Portfolio Connection # account from UnionBanc Investment Services. Please note there are transaction limitations for money market accounts.  Excess Activity Charges may apply. Transactions utilizing the UBIS Portfolio Connection # account may involve the liquidation of portfolio holdings if there is not enough uninvested cash in the UBIS Portfolio Connection # brokerage account to cover the requested transaction. These liquidations will incur standard brokerage fees. Fees may apply for special services such as same day or next day payments.

What transfers can I make?

You can transfer funds to or from eligible Union Bank accounts you own. You can also set up external transfers to and from checking, savings or money market accounts that you own. Personal clients can also transfer funds to accounts they do not own, either at Union Bank or other financial institutions. You can make one-time or recurring transfers and even schedule multiple transfers at once to save time. Fees may apply for special services such as same day or next day transfers.

Is there a cutoff time for transfers?

Most transfers can be made until midnight each business day. Transfers to or from external accounts you own must be submitted by 10 p.m. Pacific Time. Transfers submitted after the cut off times are initiated the following business day.

How does Union Bank protect my information?

To safeguard all financial and personal information, Union Bank:

  • Requires a User ID
  • Asks challenge questions to confirm the client's identity
  • Uses secure SSL encryption for all Online Banking sessions
  • Retains all account data in secure bank systems
  • Ensures that email received by the bank is seen by authorized employees of Union Bank
  • Uses systems that protect all financial and personal information and are anchored by industry standard security features

Which web browser should I use?

We support most current and popular web browsers that are 128-bit encrypted. See our computer requirements for detailed information.

How secure is this service? How do I know my information is protected?

Our Union Bank team of technical security specialists continually work to ensure that all financial transactions, data transmissions, and communications remain fully secure by accepting only browsers with 128-bit encryption.

What is encryption?

Encryption systems scramble electronic communications and information and allow users to communicate on the Internet with confidence, knowing their security and privacy are protected. We use 128-bit encryption, which provides powerful protection for Internet transactions.

Can I use Online Banking with my smartphone or tablet?

For fast access, download our Mobile Banking app for iPhone®, iPad®, or Android™ devices # from the app store.

When can I access Online Banking?

All Online Banking features are available at all times except during system updates. These typically occur as follows (PT):

  • Sunday from 12:00 a.m. to 6:00 a.m.
  • First Monday of each month from 2:00 a.m. to 3:30 a.m.

Are there other times when the system may be unavailable?

Access to the service may also be unavailable without notice for the following reasons:

  • Unscheduled maintenance due to unforeseen problems
  • A system outage due to events such as earthquakes, fires, floods, computer failures, interruptions in telephone service, or electrical outages

How early in the day can I access updated account balance and transaction information?

Union Bank updates your account information by 6:00 a.m. (PT) Tuesday through Friday and by 8:00 a.m. (PT) on Saturdays, except on bank holidays. There is no update on Sunday or Monday. All transactions completed on Saturday, Sunday, and Monday are included in the Tuesday morning update.

What is the fee for Online Banking?

There is no charge for enrolling in Online Banking, or Online Bill Pay. Fees may apply for special services, such as same day or next day transfers or payments.

Online Banking with Quicken® and QuickBooks®

Banking With Quicken® or QuickBooks®

Union Bank® clients who are users of Quicken or QuickBooks software packages from Intuit have multiple methods available for using these products to access their Union Bank® account information including Web Connect, Express Web Connect, and Online Banking with Software (Direct Connect). Please note only the last 3 versions of the software are supported.

Intuit, the maker of Quicken and QuickBooks, provides detailed descriptions of Web Connect, Express Web Connect, and Direct Connect through their software and their online resources. For more information from Intuit, go to www.quicken.com/support for Quicken, or go to https://quickbooks.intuit.com/learn-support/ for QuickBooks.

Web Connect

This method allows clients to manually download files from the Union Bank Online Banking service to record their transactions and account balances. Union Bank recommends this approach for account data downloads. We also recommend that clients use the Union Bank Online Banking service to pay bills and make transfers. Click here to register for Union Bank Online Banking. 

Express Web Connect

With this method clients enter their Union Bank Online Banking User ID and Password directly into their Quicken software. The software uses this information to connect directly to the Union Bank Online Banking service. The software then downloads account transaction and balance information on the clients’s behalf. Union Bank has found this method to be unreliable and recommends that clients not use it. 

Online Banking with Software (Direct Connect)

Online Banking with Software utilizes the Direct Connect service to connect to Union Bank directly from Quicken or QuickBooks software. Direct Connect allows clients to download transactions, pay bills, and transfer money between accounts. Please note fees apply for use of this service.

If you encounter registration problems with Online Banking with Software (Direct Connect), you may contact Union Bank at 1-800-238-4486. For all other issues with Online Banking with Software (Direct Connect), Web Connect, or Express Web Connect, please contact Intuit directly. For Quicken, go to www.quicken.com/support, or for QuickBooks, go to http://support.quickbooks.intuit.com/support.

Are there fees for Web Connect?

Union Bank does not charge fees for Web Connect. 

How reliable is Web Connect for data downloads?

Web Connect has proven to be a very effective method to download data.

How do I get started with Web Connect?

For the data download to Quicken or QuickBooks, sign on to Online Banking, go to “Account Detail”, and select "Download Account Detail."

Are there fees for Express Web Connect?

Union Bank does not charge fees for Express Web Connect. Note this is a service provided by Intuit and is available for Quicken only.

Why won’t my Quicken or QuickBooks software, or mint.com properly download my account information?

If you provided one of these services with your unionbank.com Online Banking User ID and Password, such services obtain your account information from unionbank.com. Union Bank is not able to support these services. These services use automated scripts to retrieve account information which can be unreliable. Please be aware that if you provide your User ID and Password to services other than Union Bank, you do so at your own risk because the security of these services is beyond Union Bank’s control. 

A more reliable and secure way to download your account data to Quicken or QuickBooks is to use Web Connect. 

If you are having problems with Express Web Connect, please ensure that Quicken has your current Online Banking User ID and Password. If problems persist, please contact Intuit - troubleshooting tips and contact information can be found at https://www.quicken.com/support

How do I add a Union Bank account when using Express Web Connect?

In Quicken, go to “Tools” and select “Add Account”. Search for “Union Bank - Web”, and then enter your Union Bank Online Banking login credentials when prompted.

Whom do I contact if I encounter issues with Express Web Connect?

If you encounter issues with Express Web Connect, troubleshooting tips and contact information can be found at www.quicken.com/support.

Are there any fees for Online Banking with Software (Direct Connect)?

There are fees that may apply, such as monthly online account access fees, excess session fees, and excess payment fees. See our Personal Accounts Fee Schedule for more information.

How do I get started with Online Banking with Software (Direct Connect)?

If you are a consumer, enroll here and complete your application online. If you are a sole proprietor or small business, complete the PDF application here and mail it to the address indicated.

How do I get my PIN/password for Online Banking with Software (Direct Connect)?

After you complete your application for Online Banking with Software, we will mail a PIN to you within 5 business days. If you have forgotten your PIN, please call the Online Banking Service Specialists at 1-800-238-4486. In order to provide the highest level of security, Union Bank employees do not know or have access to your current PIN. However, they can reset your PIN to the last one mailed to you or mail you a new PIN.

How do I add a Union Bank account in Quicken/QuickBooks using Direct Connect?

In Quicken, go to “Tools” and select “Add Account”. Search for “Union Bank - Quicken” and complete the required information. Note your User ID is your Social Security Number, and your password (PIN) is supplied by Union Bank. 

In QuickBooks, go to “Banking”, then “Online Banking”, then “Set Up Account For Online Services”. Select your QuickBooks account, and then enter “Union Bank - QuickBooks” for your financial institution.

How often should I download data when using Online Banking with Software (Direct Connect)?

For maximum benefit, try to download your account information every three to five days. Your account information is updated once each business day and attempting to download more than daily will not provide you with any more information and may result in extra session charges.

How early can I download new account balance and transaction information when using Online Banking with Software (Direct Connect)?

Your account information is updated by 7:30 a.m. (Pacific Time) Tuesday through Friday and 9:30 a.m. (Pacific Time) on Saturday, except on bank holidays. There is no update on Monday morning, because Saturday and Sunday are not business days. All transactions completed on Saturday, Sunday, and Monday will be included in the Tuesday morning update.

Are there system down times for Online Banking with Software (Direct Connect)?

The Online Banking With Software system requires periodic maintenance and upgrades, and this is scheduled to occur between 12 a.m. and 4 a.m. Pacific Time daily. Please do not rely on the availability of Online Banking With Software during this maintenance window. If you are unable to connect during this time, please try again outside of the maintenance window.

Whom can I pay when using Online Banking with Software (Direct Connect)?

You can make a payment to any individual, business, or merchant with a United States address. However, Union Bank discourages you from using Online Bill Payment to pay federal, state, or local tax agencies if the payment is sent by check. These agencies frequently require that coupons accompany these payments, which can't be done through Online Bill Payment.

How is the payment made when using Online Banking with Software (Direct Connect)?

Your Online Bill Payment will be made by transferring funds electronically from your Union Bank account to the payee. If a payee is not set up to receive electronic payments, we will send a check drawn on your Union Bank account. About 60 percent of all payments are sent electronically, and we're constantly working to increase the number of electronic payments.

When will the Online Bill Payment be debited from my Union Bank account when using Online Banking with Software (Direct Connect)?

For payments made electronically, your Union Bank account will be debited on the due date you enter into your software. For payments made by check, your Union Bank account will be debited when the check is presented for payment. Because the check is sent two to four days prior to the due date, the check may be debited from your Union Bank account prior to the due date you enter. For this reason, you should always have available funds on deposit before the due date you enter into your software. 

What happens if the payment doesn't make it on time when using Online Banking with Software (Direct Connect)?

Just send us an email or call our Online Banking Service Specialists at 1-800-238-4486. We will conduct an investigation to determine the cause of the problem and correct it. In addition, provided you scheduled your payment correctly and provided accurate payee name, address, and account number information, we will work with the payee to have any late fees or finance charges reversed or reimbursed to you directly. Certain limitations apply, so be sure to read the "Online Banking With Software Agreement" for complete details.

From where are the payments mailed when using Online Banking with Software (Direct Connect)?

Checks are mailed from one of several locations throughout the United States, depending on the location of the payee.

From which accounts can bill payments be made when using Online Banking with Software (Direct Connect)?

Online Bill Payments may be made from any Union Bank checking or UnionBanc Investment Services Portfolio Connection® # brokerage account that you have asked us to link to your Online Banking with Software service. If an account is not linked to your service, you can add it by sending an email using Online Banking with Quicken or QuickBooks.

Can I make a payment outside of the United States when using Online Banking with Software (Direct Connect)?

No, Online Banking with Software cannot be used to make payments outside of the United States.

What are some tips when setting up a new payee when using Online Banking with Software (Direct Connect)?

Check your statement for any additional processing requirements when payment is made without the payment coupon. This applies to payments made by check.

Call the Payee to verify the account number format and the remittance address if you are unsure of this information. Ask if there is a different address for payments made without the payment coupon.

Double-Check the address after you enter it. Make absolutely sure it's correct.

Use the standard merchant listing for a payee if one is available. The payments for this payee all go to a central address which may differ from the address on your bill.

Schedule your first Online Bill Payment to be paid well in advance and monitor the time it takes to process and credit your payment.

How late can I transmit a transfer between my Union Bank accounts for processing the same day when using Online Banking with Software (Direct Connect)?

We will process your transfer request the same day if you complete and transmit it by 9:00 p.m. (Pacific Time) Monday through Friday, except on bank holidays.

Can I transfer from/to my account at another bank when using Online Banking with Software (Direct Connect)?

No, the service does not provide direct transfers between Union Bank accounts and accounts at other financial institutions. However, this feature is part of our Online Banking service at unionbank.com.

Mobile Banking

How do I enroll in Mobile Banking?

If you are an Online Banking client, then no enrollment for Mobile Banking is required. Simply download the Union Bank Mobile Banking app from your mobile device and sign on using your Online Banking ID and password. The app can be found on the Apple App Store or Google Play Store. #

Do I need to be enrolled in Online Banking to use Mobile Banking?

Yes, you will need to be an Online Banking client. Once you are an Online Banking client, then no enrollment in Mobile Banking is needed. Simply download the Union Bank Mobile Banking app from your mobile device and sign on using your Online Banking ID and password. The app can be found on the Apple App Store or Google Play Store. 

What are the basic requirements of my mobile device in order to use Mobile Banking?

We strongly recommend that you use or upgrade to the latest version of software or device supported by Union Bank:  

  • Android 4.0.3 and above
  • iOS 9 and above

Contact your mobile provider for support with any of these steps. Note that you may incur and are responsible for any charges assessed by your mobile service provider.

See all device requirements

How do I access Mobile Banking?

Download the Union Bank Mobile Banking app on your mobile device and sign on using your Online Banking ID and password. The app can be found on the Apple App Store or Google Play Store.

How do I know if I can access Mobile Banking through my mobile device?

If you have a smart device including an iPhone, iPad, or Android device # , it's likely you can use Mobile Banking. If you are using an older device that does not contain the required security features to use Mobile Banking, you may need to upgrade to a newer device to use Mobile Banking. You may incur and are responsible for charges assessed by your wireless provider.

Do I need a new User ID and Password for Mobile Banking?

No, use the same User ID and Password you use to log in to Online Banking when accessing the Union Banking Mobile Banking app.

What if I need or want to cancel Mobile Banking?

It's quick and easy to turn off Mobile Banking. Sign on to Online Banking, navigate to the "Services" page. Select "Mobile Banking" under the "Transaction Activities and Services" menu, then select "Turn Off Mobile Banking" and click the "Submit" button.

What features are available with Mobile Banking?

The following features are available through Mobile Banking:

  • Secure Sign In/Sign Out
  • View account balances
  • View transaction history
  • Deposit checks
  • Transfer money between your Union Bank accounts and accounts you own at other financial institutions
  • Manage bills—add payees, view eBills, and schedule payments
  • Send money to friends, family, and service providers
  • Find nearby Union Bank banking branches and ATMs

What is the difference between the Mobile Banking app and the Online Banking website?

The Mobile Banking app has been optimized to suit the needs of our clients and provides an easy-to-use channel on the go.

To whom can I make bill payments in Mobile Banking?

You can pay bills to anyone, anywhere in the U.S. using the Union Bank Mobile Banking app. Payees can be added directly through the app.

Which Union Bank accounts can I make transfers to/from in Mobile Banking?

You will have all the transfer capabilities you have in Online Banking. You can transfer to/from your Union Bank accounts and other owned accounts. You can transfer to non-owned Union Bank or external accounts. To add an account, simply sign on to Online Banking.

Can I use Mobile Banking at any time?

Yes, Mobile Banking is available 24 hours a day, 7 days a week, except during the bank's regular maintenance period for your online services.

Can I use multiple mobile devices to access Mobile Banking?

Yes. You can use multiple mobile devices to sign on to the Mobile Banking app as long as the app has been downloaded onto each device from the Apple App Store or Google Play Store.

How much does Mobile Banking cost?

There is no bank fee to use or access the Mobile Banking app. Check with your wireless provider for more information about fees associated with accessing the Internet from your mobile device.

Why does Mobile Banking seem slow?

The connection speed may vary for different wireless service providers, different data usage plans, and different geographical locations. If you experience a slow response, please check with your wireless service provider.

I keep getting locked out of my account when I try to sign on the Mobile Banking app. Why doesn't it accept my sign-on information?

Using your mobile device to enter data takes a little practice. Passwords are case sensitive, so make sure you are entering your Password exactly as it is set up in Online Banking. If your Password begins with a lowercase letter, you may need to use your mobile device’s shift key to change the default from uppercase. In addition, some mobile devices require extra shift key presses to enter numbers instead of letters. Finally, if you are using T9 (predictive text), you may wish to temporarily disable it during sign on.

My mobile device shows I have a strong signal, yet I cannot connect to the Mobile Banking app on my device. What causes this to occur?

The signal display on the mobile device is an indication of the phone's ability to place calls. The Mobile Banking app requires a data network to perform data exchanges. The problem you described could be due to lack of signal or no data connection on the mobile device. Please contact your wireless service provider for assistance.

How do I know if my transfer or bill payment was submitted successfully?

Upon successful completion of a transfer or bill payment, a confirmation message displays on the screen. The confirmation message includes the transaction amount, the accounts or payees in the transaction, and a confirmation number. If you do not receive a confirmation message, select Transfers or Bill Payments from the Mobile Banking main menu to locate the item. You may also contact us for assistance at 1-800-238-4486, Monday-Friday: 7:00 a.m. to 9:00 p.m., Saturday: 8:00 a.m. to 5:00 p.m. Pacific Time (excludes federal holidays).

How do I securely end my Mobile Banking session?

Select ‘Sign Out’ to log out of Mobile Banking, and then click ‘Yes’

What happens if I lose communication/signal during a transaction?

If you do not receive a confirmation message due to a lost signal, you may verify a transaction by navigating to the Transfers or Bill Payments page in the Mobile Banking app. Look for the transaction in the list of pending items. You may also contact us for assistance at 1-800-238-4486, Monday-Friday: 7:00 a.m. to 9:00 p.m., Saturday: 8:00 a.m. to 5:00 p.m. Pacific Time (excludes federal holidays).

What do I need to do if I get a new mobile device or upgrade my device to a new model?

You will need to download the Union Bank Mobile Banking app on your new mobile device and sign on.

What happens if I get locked out of Mobile Banking?

Go to the Mobile Banking app and select "Login Help." From there you can select "Forgot Password" or "Forgot User ID."

What happens if I forgot my challenge questions and answers or am locked out from Mobile Banking because I entered them incorrectly?

Contact us for assistance at 1-800-238-4486, Monday-Friday: 7:00 a.m. to 9:00 p.m. Saturday: 8:00 a.m. to 5:00 p.m. Pacific Time (excludes federal holidays).

Is Mobile Banking as secure as your other online services?

Using Mobile Banking offers the same security features and protection as our other online services, including encryption and security questions. Mobile Banking users are protected by:

  • Firewall systems and intrusion detection software
  • Encryption of sensitive information that protects information sent over the Internet
  • Internationally recognized security standards and industry best practices
  • Profile and Password with multifactor security

What are some tips to keep my Mobile Banking experience safe?

Here are some tips and general good practices for banking on your mobile device:  

  • Download and apply security updates provided by Apple and Google. These are designed to provide you with protection from known possible security problems.
  • To prevent viruses or other unwanted problems, do not open attachments from unknown or untrustworthy sources.
  • Do not install pirated software or software from unknown sources.
  • Protect against unauthorized access to your mobile device.
  • Do not leave your mobile device unattended during an open Mobile Banking session.
  • Never save your User ID and Password in the mobile device, in memos, or anywhere on your device.
  • Always remember to log off properly by selecting ‘Sign Out” then ‘Yes’ when you have completed your Mobile Banking activities.
  • Be aware of the potential for fraudulent text or multimedia messages (SMS/MMS). The bank will never request or invite clients to sign on to its Mobile Banking via an SMS/MMS message.
  • Be aware of the potential for fraudulent Mobile Banking apps.
  • Take caution when jailbreaking or rooting your device.

What if I lose my mobile device?

There will be no financial information from Union Bank saved on your mobile device as part of our Mobile Banking app. Do not save images during your Mobile Banking session to your mobile device. 
  
To protect your account, your User ID, Password, and Challenge Question authentication will be required for the sign on to access our other online services on the web. 
  
Do not add your login credentials to the memo pad or voice record them on your mobile device, as this information could then be obtained by others. Password protect your mobile device if possible.

Yuby™ app

What is the Yuby™ app?

Yuby is a free app designed to help your child learn how to manage money by teaching the relationship between earning, saving and spending.  It is intended for educational purposes only. No financial transactions actually occur, and Union Bank does not collect any personal information via the Yuby app.  The Yuby app is available for download on the Apple App Store. 

View our privacy policy

Portfolio Connection and other brokerage and investment advisory services are available through UnionBanc Investment Services LLC, an SEC-registered broker-dealer, investment adviser, member FINRA/SIPC, and subsidiary of MUFG Union Bank, N.A. and: • Are NOT deposits, or other obligations of, or guaranteed by, the Bank or any Bank affiliate • Are NOT insured by the FDIC or by any other federal government agency • Are subject to investment risks, including possible loss of the principal amount invested.

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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