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Checking Accounts

Let's find the plan that works for you.

Checks only come in one size. But checking accounts are a different story. Compare our different accounts below, and find the one that works best for you. It’ll help if you know what minimum balance you can expect to maintain, and how often you use ATMs, checks, and your debit card. Please make a note of the minimum opening deposit to open a new account online. Larger deposits will increase the processing time to open your account. You can always move money once your new account is open with our UBTgo tools!

Order Checks Online

If you’d like help navigating the options, just call us, open an online chat, or stop by your nearest branch.

 Simply FreeBonus CheckingMyStyle CheckingJourney
  Apply Now Apply Now Apply Now Apply Now
The Basics Our simplest checking account with no minimum balance required or monthly maintenance or activity fees. Earn premium interest on your checking account by meeting certain requirements. For 16-25 year-olds, checking with your choice of features that let you be you. For those age 50+. Earn interest on your checking account and choose your accounts features.
Age Requirements None None 16 to 25 50 and over
Minimum Opening Deposit $50 $1,000 $50 $50
Monthly Fee No No No Yes, but can be waived as an account option.
Interest Paid None Yes; interest rate varies None Yes; interest rate varies
ATM Usage* Free at all Union Bank ATMs Free at all Union Bank ATMs, plus two non-Union Bank ATMs each statement cycle. Free at all Union Bank ATMs, plus choice of up to 20 non-Union Bank ATMs each statement cycle. Free at all Union Bank ATMs, plus two non-Union Bank ATMs each statement cycle.
e-Statements Required? No Yes, to qualify for bonus rate No No
Online Statement History & Check Images Yes Yes Yes Yes
Unlimited Check Writing Free Free Free Free
24-Hour Account Access** Sign up for free: Online Banking, Mobile Banking, Mobile Deposit, BillPay, e-Statements,
e-Alerts, TeleBank
Relationship Advantage Maintain $10,000 in total deposits with Union Bank (Health Savings Accounts not included) to automatically waive selected fees on one personal checking account, plus unlimited use of all non-Union Bank ATMs.*

questions? start a chat.


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.

*Does not waive surcharges some ATM owners may assess.
**Message and data rates may apply.