Advertiser Disclosure

Union Bank Freely Checking

in Checking Accounts from Union Bank · fdic

Unaffiliated

Union Bank Freely Checking

Unaffiliated

in Checking Accounts from Union Bank · Member FDIC

Net Recommendation Score -100

0 users recommend

0 users are unsure

2 users don't recommend

Browse Reviews: 0 Recommendations | 2 Complaints

Highlights
Community Rating	Rating not yet determined
Monthly Fee	$0
ATM Fee: Out-of-Network	$0
Minimum Balance to Avoid Monthly Fee	N/A
APY (Annual Percentage Yield)	0%

Union Bank Freely Checking Review

Union Bank Freely Checking is offered by Union Bank, a bank founded in 1864 and based in San Francisco, CA. Union Bank Freely Checking is available in 50 states (and Washington, DC).

Key Takeaways

0% APY. As with most checking accounts, Union Bank Freely Checking does not pay interest.
$0 monthly fee. This account does not charge a monthly Service Charge.
Small minimum initial deposit. You only need $1 to open an account.
No ATM fees. Union Bank Freely Checking does not charge fees on ATM transactions.
Up to $2 in ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
Bill pay. Pay your bills to practically anyone in the United States through Union Bank.

Union Bank checking account Pros & Cons

Pros	Cons
Available in all 50 states. Free debit card	No signup bonus. Does not earn interest Does not provide access to a nationwide ATM network. Higher than average wire transfer fees.

Union Bank checking account FAQ

Are checking accounts from Union Bank federally insured?

Yes, your Union Bank checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). 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 Union Bank checking account offer?

Union Bank checking account is not an interest-bearing account.

What are the account minimums for Union Bank checking account?

Union Bank checking account requires a minimum initial deposit of $1 to open an account.

Union Bank Freely Checking Minimums
Description
Minimum Opening Deposit	Starting at $1

What fees does Union Bank checking account charge?

The good news is that this account does not have a monthly Service Charge.

Union Bank Freely Checking Fees
Description
ATM Fee: In-Network	$0
ATM Reimbursement Monthly Limit	$2
Check Image Service	$3
Debit Card Replacement Fee	$0
Early Account Closure	$25
Foreign Transaction Fee (Debit Card)	2%
Monthly Fee	$0
NSF Fee	$33
Online Bill Pay Fee	$0
Overdraft Item Fee	$33
Overdraft Protection Fee (per transfer)	$10
Paper Statement Fee	$2
Returned Deposit Fee (Domestic)	$6
Returned Deposit Fee (International)	$6
Stop Payment Fee	$30
Wire Transfer Fee - Domestic (Incoming)	$1
Wire Transfer Fee - Domestic (Outgoing)	$20
Wire Transfer Fee - International (Incoming)	$1
Wire Transfer Fee - International (Outgoing)	$45
ATM Fee: Out-of-Network	$0

Does Union Bank checking account charge overdraft fees?

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

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

What features and perks does Union Bank checking account offer?

This account includes the following features:

ATM reimbursement - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $2.
Fraud monitoring - Union Bank checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - Union Bank checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

How do people rate the customer service and user experience of Union Bank checking account?

Overall, Union Bank checking account is strongly not recommended based on community reviews that rate customer service and user experience.

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.