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Priority Banking® checking account

A checking account that makes you a priority

The minimum deposit to open is any amount greater than $0

Schedule Appointment

Primary benefits

No ATM fees worldwide

No Union Bank fee for ATM access worldwide, plus unlimited rebates on non-Union Bank ATM surcharges.

Earn interest and enjoy dedicated service

Interest-bearing checking account with dedicated Customer Service and unlimited Priority Banking personal check supply.

Special relationship rates

Preferred relationship rates on deposit product offerings.

Product guide

Read our product guide for more information about this account. 

Core features

Debit Card with Digital Wallet

Contactless-enabled Union Bank® Debit Mastercard® offers you a convenient and secure way to access your money and make payments and purchases with ApplePay®, GooglePay™, and Samsung Pay.®

Digital banking

Safely and conveniently check your account balance, transfer funds, and deposit checks all from your mobile device.

Priority Banking® Rates

Daily Account Balance
$0.01 - 2,499.99
$2,500.00 - 24,999.99
$25,000.00 - 49,999.99
$50,000.00 - 99,999.99
$100,000.00 - 499,999.99
$500,000.00 - 999,999.99
$1,000,000.00 - 999,999,999.99

Additional Priority Banking® checking account information

Monthly checking account and ATM fees

For details about our Priority Banking checking account, click to download product guide PDF

Monthly Service Charge
How to avoid the Monthly Service Charge
Can be avoided by maintaining a Combined Average Monthly Ledger Balance of $25,000 or more or a linked Union Bank mortgage
ATM fees: Union Bank ATM transactions
ATM fees: Non-Union Bank ATM transactions
No fee for ATM access worldwide, including cash withdrawals and transfers; Union Bank will rebate any fee that an institution may assess for use of a non-Union Bank ATM
Paper statement fee

Overdraft Fees

$33 per Debit for each Debit/Item whether paid (Overdraft Item Paid) or returned (Overdraft Item Returned) when there is an insufficient Available Balance in the account or through an Overdraft Protection service. No more than 5 Debits will be charged an Overdraft Fee during a single day (max. $165 per day). Fees applicable to overdrawn balances of $5.00 or more.

$6 Continued Overdraft Fee per Business Day charged beginning on the seventh calendar day that the account is continuously overdrawn for any overdraft amount; $30 maximum for each period of continued overdraft.

$0 Overdraft Protection Transfer Fee when linked to an eligible checking, money market or savings account.

See Overdraft Choices for information about overdraft services that may have a lower total cost than Overdraft Fees.

Overdraft Choices

Learn more about Overdraft Choices.

Debit Card information 

The contactless-enabled 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

Read account terms and conditions here.

Frequently asked questions

Read checking account FAQs here.

Banking forms

Locate all forms and dispute information here.

Routing information

Bank Location
Bank Routing Number

SWIFT information

Wire type
Routing number
Fed Routing Number
International Wire Payments - SWIFT Code

Order checks

At Union Bank it is easy to order your checks online, by phone, or at a branch.

Online - visit to place an order, view your order history, verify the order status, change check designs, and more.

Phone - call 1-800-238-4486 to order checks or make address and name changes.

Branch - visit your nearest Union Bank branch to order new checks, reorder checks, make address or name changes, and more. 

For account information details and terms and conditions governing our deposit accounts, see our Priority Banking Product Guide, Personal Accounts & Services Disclosure and Agreement, and Personal Accounts Fee Schedule. Accounts opened online are considered California accounts regardless of state of residence.