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Compare Union Bank products: Savings, Checking, and CDs

This West Coast bank offers several personal and business products — but APYs are painfully low.

Updated

Union Bank
Union Bank primarily services California, Oregon and Washington. Its best known for its non-network ATM rebates and free basic checking account. But most accounts must be opened in person and APYs top out at 0.50%.

What banking products does Union Bank offer?

Why should I open an account at Union Bank?

Union Bank offers traditional banking features such as FDIC-insured deposits, mobile banking and a Mastercard debit card. But it also has these unique features:

  • Digital wallet. Union Bank offers a contactless-enabled debit card that’s compatible with ApplePay, Samsung Pay and GooglePay.
  • Interest compounded daily. Earn interest even quicker with daily compounded interest.
  • No ATM fees. Union Bank never charges non-network ATM fees and reimburses operator fees — some accounts have a set number of rebates while others are unlimited.

What should I look out for?

Before you open an account with Union Bank, consider these potential drawbacks:

  • Limited locations. Union Bank has branch locations and ATMs in California, Oregon and Washington.
  • In-person applications. You’ll need to visit a branch to open its basic checking, savings, kids and teens accounts and CDs.
  • Low daily withdrawals. You can only withdraw up to $500 a day at Union Bank ATMs.
  • Low APYs. Most of Union Bank’s APYs are at 0.01% — lower than the national average.

Compare Union Bank to the competition

$
$
months
Name Product Interest rates (APY) Fee Minimum deposit to open Interest earned More info
Citibank® Account Package

0.13% on $500,000+
0.08% on $25,000 to $99,999.99
0.04% on $0 to $24,999.99
$25 per month
(can be waived)
$0
Go to site
View details
Earn a $400 bonus after opening new eligible checking and savings accounts and completing required activities.
American Express® Personal Savings High Yield Savings
0.60%
$0
$0
Go to site
View details
Enjoy no monthly fees and a competitive APY with this online-only savings account. Accounts offered by American Express National Bank, Member FDIC.
CIT Bank Money Market
0.60%
$0
$100
Go to site
View details
A savings account with a higher-than-average rate and minimal fees.
Chase Savings
0.01%
$5 per month
(can be waived)
$0
Go to site
View details
A simple savings account with low, waivable monthly fees and a $150 signup bonus when you meet deposit and balance requirements.
Aspiration Spend & Save Account

1.00% on $0 to $10,000 but you’ll need to be enrolled in Aspiration Plus and make at least $1,000 in debit card purchases a month
$0
$10
Go to site
View details
A spend and save combo account with no monthly service fees, free access to every ATM in the world, unlimited cash back rewards and deposits insured by the FDIC. The Aspiration Spend & Save Account is a cash management account offering of Aspiration Financial, LLC, an SEC-registered broker-dealer. Aspiration is not a chartered bank.
CIT Bank Savings Builder High Yield Savings Account

0.55% on $25,000+ or set up a direct deposit of $100+ each month
0.31% on $0 to $24,999
$0
$100
Go to site
View details
No account opening or maintenance fees. Daily compounding interest. Earn one of the nation's top rates
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Union Bank customer service

Call 800-238-4486 to chat with a Union Bank customer service representative weekdays from 7 a.m. to 9 a.m. and Saturdays from 8 a.m. to 5 p.m. Existing customers also have the option of sending a secure message through their account.

Bottom line

If you’re looking for a West Coast bank with standard checking and savings account options, Union Bank may be right for you. But if you’re after higher APYs, shop around for other accounts.

Frequently asked questions

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