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  MUFG Union Bank Checking Account
MUFG Union Bank Checking Account
in Checking Accounts from MUFG Union Bank · Member FDIC
Unaffiliated

MUFG Union Bank Checking Account

Unaffiliated
in Checking Accounts from MUFG Union Bank · Member FDIC
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.01% - 0.05%
Monthly Fee $0 - $25
(Verified 07/08/2022)
Minimum Balance to Avoid Monthly Fee N/A

MUFG Union Bank Checking Account Review

MUFG Union Bank Checking Account is offered by MUFG Union Bank, a bank founded in 1864 and based in Spring Valley, CA. MUFG Union Bank Checking Account is available in 50 states (and Washington, DC).

Key Takeaways

  • Bonus offer. Open a new account and you can get $300 with required activities. Minimum deposit of $ required to be eligible for a signup bonus (see terms and conditions for more details).
  • Low APY. The maximum annual percentage yield for this account is only 0.05%.
  • Charges a monthly fee. This account charges a monthly service fee of up to $25.
  • $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.

MUFG Union Bank Pros & Cons

Pros Cons
  • Generous signup bonus.
  • Available in all 50 states.
  • Interest-yielding account.
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.

MUFG Union Bank FAQ

Are checking accounts from MUFG Union Bank federally insured?

Yes, your MUFG Union Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC #22826). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does MUFG Union Bank offer?

MUFG Union Bank offers an APY starting at 0.01% and ranging up to 0.05% (APY stands for annual percentage yield, rates may change).

MUFG Union Bank Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.01% - 0.05%

What are the account minimums for MUFG Union Bank?

MUFG Union Bank requires a minimum initial deposit of $100 to open an account.

MUFG Union Bank Checking Account Minimums
Description
Minimum Opening Deposit Starting at $100

What fees does MUFG Union Bank charge?

This account charges a monthly service fee of up to $25.

MUFG Union Bank Checking Account Fees
Description
Monthly Fee $0 - $25
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2
Foreign Transaction Fee (Debit Card) 2%
NSF Fee $33
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $10
Returned Deposit Fee (Domestic) $6
Returned Deposit Fee (International) $6
Stop Payment Fee $15
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $45
Paper Statement Fee $3
Online Bill Pay Fee $0
Debit Card Replacement Fee $0
Early Account Closure $0

Does MUFG Union Bank charge overdraft fees?

Yes, MUFG Union Bank charges a $33 fee for every overdraft. You can get overdraft protection at a cost of $10 per transaction.

What features and perks does MUFG Union Bank offer?

This account includes the following features:

What is the customer support email for MUFG Union Bank?

The customer support email for MUFG Union Bank is customer@unionbank.com.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From MUFG Union Bank

Keep more of your money. A checking account that makes you a priority. Unlimited rebates on non-Union Bank ATM fees. Interest-bearing checking account with dedicated Customer Service and unlimited Priority Banking personal check supply. $0 Deposit Overdraft Protection Transfer Fees (Overdraft Fees may still apply). 

Contact

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $100
Monthly Fee $0 - $25
(Verified 07/08/2022)
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2
Foreign Transaction Fee (Debit Card) 2%
NSF Fee $33
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $10
Returned Deposit Fee (Domestic) $6
Returned Deposit Fee (International) $6
Stop Payment Fee $15
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $45
Paper Statement Fee $3
Online Bill Pay Fee $0
Debit Card Replacement Fee $0
Early Account Closure $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required Government Issued Photo ID
Account Features
  • IRAs
  • Bauer Financial A+/A Rating
Signup Bonus Starting at $300
Signup Deposit Requirement $0. Log into Online Banking at least once. $200 is offered for new Ready to Go checking accounts. Offer valid through November 30, 2018
APY (Annual Percentage Yield) 0.01% - 0.05%

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