Union Bank
What you need to know: banking during the coronavirus outbreak

Coronavirus Disease (COVID-19)

September 3, 2020

Service Alert – Branch Hours

There is the possibility that with school, daycare and health pressures, we may face intermittent staffing challenges, particularly in our branch offices. Some of these we will be able to anticipate, others may develop more suddenly. Our desire is to keep all offices open and operating on normal schedules, but there is a high likelihood that some office(s) may need to shift to drive-up only services for some days or parts of days.

Our ATM’s, customer service and digital banking solutions, including remote check deposit feature, are readily available to serve you.

Please check back for regular updates or call our Customer Care Team with questions. 800.753.4343.

August 31, 2020

COVID Emergency Mortgage Assistance Program Extended
The Vermont Housing Finance Agency (VHFA) announces the new Vermont COVID Emergency Mortgage Assistance Program to help low- moderate income homeowners who have fallen behind on their mortgage payments.  The program offers $5 million in funding through the federal CARES Act.  The VHFA will administer the program.  Applications are being accepted through the fall 2020.

 More info about the program and how to start the application process.

Phased – In Reopening of Branches

Following the directives of Vermont Governor Scott’s Be Smart/Stay Safe executive order, Union Bank is now planning the gradual reopening of our branch lobbies. We are taking our customers’ and employee health concerns seriously and will be prudent in our protective measures as we reopen.

Over the course of the next few weeks, Union Bank plans to reopen in phases, dependent on current health conditions, emergency orders applicable to our communities, and our ability to modify our branch offices to provide prudent protective measures.

We re-opened our branch lobbies starting with Phase 1  on Wednesday, May 27.

Our New Hampshire offices will operate under the same framework and all branch locations will resume normal business hours.

Plan Phases for Re-Opening:

Phase 1
Limited Access – The bank will limit the number of customers allowed in the branch to maintain the 25% of normal occupancy requirement (the number of customers permitted will vary by branch). Customers will be required to wear a mask, so we ask everyone to please plan accordingly. If no mask is worn, customers will be asked to use the drive-up window. Our staff will also be wearing masks whenever in the presence of another individual.

Phase 2
Open Access – with preventative measures in place

Phase 3
Eventual return to regular, unrestricted access

Protective Measures:

If you have questions, or need assistance, contact our Customer Care Team at 800.753.4343, or call your local branch.

Together we want to help you, our employees and our communities stay safe and healthy as we enter into the next phase of our state’s economy opening back up. We will notify you of any additional changes that occur.

What if I need to discuss a new loan or unable to make my loan payments?

New or in-Process Loan:
Contact your local loan officer, your local branch at the phone number listed above or call 800.753.4343. Commercial customers, please contact your lender. If you are unsure of the correct contact number, go to ublocal.com for a listing of our commercial lenders.

Unable to Make Loan Payment:
If you are unable to make your loan payments due to a financial hardship caused by COVID 19, we have a program to help:

Forebearance Program:

  • Your loan will be placed into a four-month forebearance status (temporary pause in payments). This means you will not have to make a loan payment for the next four months.
  • Late fees will not be charged.
  • Your loan will not be reported as “late” to the credit agencies.
  • The forebearance will expire when you return to work or after four months, whichever comes first.
  • You are required to inform us when you return to work.
  • If you are not back to work by the end of the four-month period, we may be able to extend the forebearance.

How can I get more information about the Forbearance Program?

  1. Please send an email to: LoanCollections@unionbankvt.com
  2. Be sure to include in the subject line: Forebearance Information- Last Name
  3. Provide your name, address, and last four digits of your loan account number

The Consumer Financial Protection Bureau released this very informative video about the things you need to know about Forbearance Programs:
ICBA Video- Cares Forbearance

Options for Mortgage and Rent Payment Relief

Economic Impact Payment

In March, Congress passed—and President Trump signed into law—the CARES Act, a $2 trillion
economic relief package to provide assistance to American consumers and businesses struggling as a
result of the coronavirus pandemic. A provision of the law includes sending government payments to
eligible Americans. To help answer common questions about these payments, the American Bankers
Association has developed the following questions and answers as well as the Department of the Treasury and the New England ACH organization, NEACH: 

NEACH Update on Economic Impact Payments

 COVID Economic Impact Payment FAQs

Protect Your Economic Impact Payment- 5 Scams

Department of the Treasury – Treasury Checks for Economic Impact Payments (EIP)

COVID-19 Economic Impact Payment Schedule

How to set up an alert in Online Banking that you have received your Federal EIP (stimulus) check

  • Login to digital banking (Web or Mobile App) and on the left menu, select Settings, then Alerts.
  • In the New Alert drop-down list, select History Alert.
  • Select the account that you expect your stimulus payment to go into. This is the account number you provided the IRS to deposit your 2018 or 2019 tax refund in.
  • Select a transaction of Description.
  • Enter a description of TAX REF. We have been told by the IRS the electronic payments will contain TAX REFUND as part of the description.
  • Select a delivery method, which may be email, text message, or phone call. In the example below, email was selected.
  • Uncheck the Frequency checkbox so you only receive the message once, otherwise you will receive the message everyday after the stimulus payment goes in your account.

History Alert Online Banking

Click the Save button. Verify the alert is enabled by going into your History Alerts and checking that the alert is On.

History Alert Online Banking

Other Questions/needs 

Call us and ask. We will work with you on the best way to meet your needs.

Union Bank is monitoring the impact of the coronavirus and the disease which it causes, Coronavirus Disease 2019 (abbreviated COVID-19). The coronavirus is a respiratory illness that was initially identified in Wuhan, China, and has now been detected in countries around the world. Union Bank is well prepared and we will continue to keep you informed on our website (ublocal.com) and Facebook page  as things change.

Tools for Banking Remotely:

Online Banking / Learn More >

  • Inquire on account balances
  • Transfer funds between accounts
  • Transfer funds to others using our Pay Others (P2P) services
  • Transfer Funds to/from your accounts at other institutions
  • Deposit checks using the Mobile Deposit function on our app
  • Bill Pay

If you have not yet tried our free Online and Mobile Banking services, consider signing up today at ublocal.com.  Go to the Log In prompt at ublocal.com select Sign Up and follow the prompts.

If you are an existing Online or Mobile Banking customer and you wish to try some of the additional functionality available to you, log in and explore.  If you have questions, please contact our Customer Care Team at 800.753.4343 and we will be happy to help.


Mobile Check Deposit / Download the mobile app >

For added convenience, this simple and secure service allows you to deposit checks into  your account without coming to the bank.

Telebanking / Learn More >

If you are not quite ready to try online banking, consider using our Telebanking system.  You can find account balances and transfer funds between your Union Bank accounts with Telebanking.  With your account number and social security number (or tax ID number) handy, call 800.583.2869, and follow the prompts.

CardValet App / Download and monitor your debit card >

To guard against fraud, sign up for and begin using the Card Valet App.  The app alerts you to any transactions posting to your debit card, and allows you to turn it on or off, or to designate the areas (geographic or industry category) where your debit card may be used.

Convenient ATM locations

Consider using any of our ATMs, or any of the 55,000 no-fee Allpoint ATMs to access cash using your Union Bank ATM or Debit Card. In addition to mobile check deposit and drive-through banking, you can also deposit checks or cash at our conveniently located ATMs* located at our branches.

Staying Safe and Paying Attention
Coronavirus -themed scams are on the rise. Cybercriminals are exploiting the COVID-19 pandemic to carry out more fraud scams towards individuals and businesses.

Always remember — Union Bank will never request sensitive financial or personal information via email, text message or telephone call. The following links offer information to help customers spot tactics being used by fraudsters trying to obtain your financial information and steal your money.
COVID-19 Scam Roundup
Coronavirus: Scammers follow the headlines- Federal Trade Commission
FTC: Coronavirus Scams, Part 2
Coronavirus scams to watch out for- American Bankers Association

Our Priority:
Remains the health and safety of our customers and employees, while continuing to meet your financial needs. Here are some things that you can do to prepare in the event of a worsening of the coronavirus or, to more generally, prepare for emergency situations and reduce your need to visit a Union Bank branch:

  • Utilize direct deposit for your payroll, tax refund, dividends, social security or retirement receipt. It is the quickest and safest way to get the money into your account
  • Stay connected with Online Banking. We encourage you to test your ability to connect (confirm that you have a user name and password and can log on).
  • Download and sign-in to the Union Bank mobile app and use our mobile check deposit function to remotely deposit a check with your smart phone or tablet.
  • Download and use the specialty service, CardValet, to restrict and monitor how your debit card is used.
  • Use our bill pay service to pay your bills from home and avoid using the postal system.
  • Use our Apple Pay mobile payment option.
  • We also offer telephone banking (800.583.2869), as well as cash access at dozens of Union Bank ATM’s along with fee-free access at Community National Bank ATM’s and 55,000 ATM’s in the Allpoint network.
  • Maintain some manner of emergency savings fund, adequate insurance and, to supplement your debit card, a supply of checks and cash
  • Avoid scams – fraudsters are creative and will look for ways to take advantage of the fear created by this virus outbreak. Do not let fear cloud your judgment when accessing links from emails and online posts. The Federal Trade Commission (FTC) has published information to help you protect yourself from scammers.
  • Stay up to date with trustworthy information –The Centers for Disease Control posts the most up to date and reliable information at https://www.cdc.gov/coronavirus/2019-ncov/index.htmlIf you have questions, including how to best minimize the disruption to your banking needs, please call us at 800.753.4343 or 802.888.6600 or message us through online banking or the contact us page on our website.

Special Request

If you’re feeling under the weather, we encourage you to use the above electronic options to do your banking, but if you need to do your banking in person, we ask that you please use the Night Drop Box or Drive-Up Window at one of our branch locations.


Symptoms of COVID-19: Fever, cough, shortness of breath, sore throat, headache


Stop the spread of germs- CDC

Helpful Links

US Centers for Disease Control (CDC)

Vermont Department of Health

Vermont Department of Labor

Vermont Stay Home Stay Safe Executive Order

Vermont Be Smart Stay Safe Executive Order

New Hampshire Department of Health and Human Services

World Health Organization (WHO)

Federal Emergency Management Administration (FEMA)

FDIC Consumer News – COVID-19 and Your Financial Health


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