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  MUFG Union Bank Checking Account

MUFG Union Bank Checking Account

in Checking Accounts from MUFG Union Bank · fdic

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MUFG Union Bank Checking Account

Unaffiliated

in Checking Accounts from MUFG Union Bank · Member FDIC

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Highlights
Monthly Fee $0 - $30
ATM Fee: Out-of-Network $2
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.01% - 0.05%

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
  • $300 Bonus offer. Open a new account and you can get up to $300 if you deposit a minimum of $ (see terms and conditions for more details).
  • Higher than average APY. MUFG Union Bank Checking Account has an annual percentage yield of up to 0.05%, which is higher than the national average interest rate on savings accounts.
  • Charges a monthly fee. This account charges a monthly service fee of up to $30.
  • $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.
  • 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 Account Minimums
Description Amount
Minimum Opening Deposit $100

What fees does MUFG Union Bank charge?

This account charges a monthly service fee of up to $30.

MUFG Union Bank Checking Account Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 2%
Monthly Fee $0 - $30
NSF Fee $33
Online Bill Pay Fee $0
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $7
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) $35
ATM Fee: Out-of-Network $2

Does MUFG Union Bank charge overdraft fees?

Yes, MUFG Union Bank charges a $33 fee for every overdraft.

MUFG Union Bank offers overdraft protection at a cost of $10 per transaction.

What features and perks does MUFG Union Bank offer?

This account includes the following features:

  • Signup bonus - Open an account and you may receive a signup bonus of up to $300 if you deposit a minimum of $.
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Contact

Other Services by MUFG Union Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $100
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Online Bill Pay Fee $0
Foreign Transaction Fee (Debit Card) 2%
Monthly Fee $0 - $30
NSF Fee $33
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $7
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) $35
ATM Fee: Out-of-Network $2
Account Features
  • Bauer Financial A+/A Rating
  • IRAs
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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