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  Union Bank Freely Checking
Union Bank Freely Checking
in Checking Accounts from Union Bank
Unaffiliated

Union Bank Freely Checking

Unaffiliated
in Checking Accounts from Union Bank
Net Recommendation Score -100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

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.

Rating not yet determined  

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

Rating not yet determined  

Cashback Rewards N/A
APY (Annual Percentage Yield) 0%
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee N/A

Union Bank Freely Checking Review

Union Bank Freely Checking is offered by Union Bank, founded in 1864 and based in San Francisco, CA. Union Bank Freely Checking is available in 51 states across the USA.

Key Takeaways
  • 0% APY. As with most checking accounts, Union Bank Freely Checking does not pay interest.
  • Small minimum initial deposit. You only need $1 to open an account.
Union Bank checking account Pros & Cons
Pros Cons
  • Available in all 50 states.
  • No signup bonus.
  • Does not earn interest
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
  • Not FDIC-insured.
  • Higher than average wire transfer fees.
Union Bank checking account FAQ

Are checking accounts from Union Bank federally insured?

No, your Union Bank checking accounts are not insured by a federal insurance agency. This means that if Union Bank were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

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?

This account charges a monthly service fee of $0.

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 Starting at $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:

What is the customer support email for Union Bank checking account?

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

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.

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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 Union Bank

Keep more of your money. Bank with benefits, not barriers. $0 Monthly Service Charge. Low minimum deposit to open. Every little bit helps – enjoy no Monthly Service Charge with a Bank Freely Checking Account.  Open a Bank Freely™ checking account exclusively in a branch.

Availability

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

Feature Breakdown

Minimum Opening Deposit Starting at $1
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Monthly Fee $0
Online Bill Pay Fee $0
ATM Fee: Out-of-Network Starting at $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
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of Identity
  • Proof of Residence
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • ATM Reimbursement
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Member FDIC
  • Check Writing
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0%

Union Bank Freely Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

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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