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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

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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Highlights
Community Rating

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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, 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 any monthly account fees.
  • 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 rebates. 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 deposits 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
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
ATM Reimbursement Monthly Limit $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 $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
Paper Statement Fee $2
Online Bill Pay Fee $0
Check Image Service $3
Debit Card Replacement Fee $0
Early Account Closure $25

Does Union Bank checking account charge overdraft fees?

Yes, Union Bank checking account charges a $33 fee for every overdraft. You can get 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 rebates - 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.

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

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

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Message From Union Bank checking account

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.
  • 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 $1
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
ATM Reimbursement Monthly Limit $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 $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
Paper Statement Fee $2
Online Bill Pay Fee $0
Check Image Service $3
Debit Card Replacement Fee $0
Early Account Closure $25
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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