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  Union Bank Freely Checking

Union Bank Freely Checking

in Checking Accounts from Union Bank · Member FDIC

Unaffiliated

Union Bank Freely Checking

Unaffiliated

in Checking Accounts from Union Bank · Member FDIC

Net Recommendation Score -100%

SUPERMONEY NET RECOMMENDATION SCORE

-100%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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0 users recommend
0 users are unsure
2 users don't recommend
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Highlights
Highlights
Community Rating

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Monthly Fee $0
ATM Fee: Out-of-Network N/A
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 maintenance fee.
  • Small minimum initial deposit. You only need $1 to open an account.
  • Free bill pay. Pay your bills to practically anyone in the United States through Union Bank.
  • Hard credit pull. Union Bank may require a hard pull on your credit report to open a checking account.
Union Bank Freely Checking 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 Freely Checking 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 Freely Checking offer?

Union Bank Freely Checking is not an interest-bearing account.

What are the account minimums for Union Bank Freely Checking?

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

Union Bank Freely Checking Account Minimums
Description Amount
Minimum Initial Deposit $1

What fees does Union Bank Freely Checking charge?

The good news is that this account does not have a monthly service charge.

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

What features and perks does Union Bank Freely Checking offer?

This account includes the following features:

  • Fraud monitoring - Union Bank Freely Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Union Bank Freely Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
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.

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 Initial Deposit $1
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Monthly Fee $0
Online Bill Pay Fee $0
ATM Reimbursement Monthly Limit $2
Check Image Service $3
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 2%
NSF Fee $33
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
Bank Account Features
  • Bauer Financial A+/A Rating
  • Check Writing
  • Debit Card
  • FDIC Member
  • Fraud Monitoring
  • Free Bill Pay
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • No Monthly Maintenance Fee

Union Bank Freely Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-100%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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