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
Interest Rate %
APY %#
$0.01 - 2,499.99
0.01
0.01
$2,500.00 - 24,999.99
0.05
0.05
$25,000.00 - 49,999.99
0.05
0.05
$50,000.00 - 99,999.99
0.05
0.05
$100,000.00 - 499,999.99
0.05
0.05
$500,000.00 - 999,999.99
0.05
0.05
$1,000,000.00 - 999,999,999.99
0.05
0.05

Additional checking account information 

Monthly and ATM fees

Monthly Service Charge
$25
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
None
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
None

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.

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
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 checks online, by phone, or at a branch.

Online - visit deluxe.com 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 Simply Stated 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.

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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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