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Checking Accounts

Let's find the right account for you.

No Minimum Balance

Simply Free

Special Offer: Get $50*

when you open a Simply Free account and make $500 in direct deposits within 60 days.

Simply Free requires no minimum balance; no monthly maintenance or activity fees.

More about Simply Free

Earn Premium Interest

Bonus Checking

Special Offer: Get $150*

when you open a Bonus Checking account and make $2,500 in direct deposits within 60 days.

Earn premium interest on your checking account when you meet certain requirements.

More about Bonus Checking

Choose the Features You Want

MyStyle Checking

Account Feature: Get $501

when you open a MyStyle Checking account and choose $50 as one of your features.

For 14-25 year-olds. Choose the account features that fit you best.

More about MyStyle Checking

Earn Interest

Journey Checking

Special Offer: Get $150*

when you open a Journey Checking account and make $2,500 in direct deposits within 60 days.

For those age 50+. Earn interest on your checking account and choose account features that suit you.

More about Journey Checking

At UBT, people don't have your money - your money has people.

Why Choose UBT?

We're a family-owned bank that cares about our customers, the communities we serve, and each other. You'll find all the financial services that make your life easier, backed by real people (like Drue), who really care.

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Add these features to your new checking account.

Special benefits

Relationship Advantage

Relationship Advantage gives special benefits for one personal checking account to those with $10,000 or more in combined personal CDs, savings, checking and IRAs. It’s free, and you don’t even have to sign up. After all, you’ve earned it.

More about Relationship Advantage

Peace of Mind

Overdraft Solutions

Here at UBT, we know mistakes happen. We offer overdraft solutions to fit your needs. Get peace of mind and a customizable solution that works for you.

More about Overdraft Solutions

Protect Your Info

Identity Protection

In partnership with Deluxe Provent, Union Bank offers you Identity Protection to help protect your personal information and accounts.

More about Identity Protection

*To qualify for the promotion, you cannot be an owner on an existing Union Bank personal checking account. Receive $50 when you open a Simply Free Checking account and $150 when you open a Bonus or Journey Checking account and meet requirements. Limit one per person and cannot be combined with other offers. $50 opening deposit for Simply Free and Journey checking. $1,000 opening deposit for Bonus Checking. To receive the $50, you must have $500 in electronic Direct Deposits posted within 60 calendar days of opening a Simply Free checking account; $50 will be credited to your active account within 70 days of account opening if you meet the requirements. To receive the $150, you must have $2,500 in electronic Direct Deposits posted within 60 calendar days of opening a Bonus or Journey Checking account; $150 will be credited to your active account within 70 days of account opening if you meet the requirements. Various Annual Percentage Yields (APY) offered based on the account and balance maintained. For example, Journey Checking requires $100 minimum daily balance to earn .05% APY as of the effective date in the deposit account rates. Fees may reduce earnings, rates subject to change. Journey checking account designed for people age 50 & over. Available through 10/31/19.

**Message and data rates may apply.

***Does not waive surcharges some ATM owners may assess.

1. For ages 14-25. $50 opening deposit. (1)Within 60 days of account opening you must enroll in e-Statements via Online or Mobile Banking and have 10 debit card purchases posted (excludes ATM transactions). $50 credited to active account within 10 days of month-end if both requirements met. New checking account customers only. Cannot be combined with other offers. (2)ATM Usage Fee at non-UBT ATMs waived on first 20 transactions posted per statement cycle (excludes surcharges ATM owners may assess). (3)$10 deposited to active account within 30 days of account-opening month-end.


Important Information About Procedures For Opening A New Account—
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you; we may also ask to see your driver’s license or other identifying documents.