Advantage Checking
Qualify for Advantage Checking with a combination of personal deposits averaging at least $25,000 during a monthly statement cycle. The primary account holder on the Advantage Checking account must be a primary or joint owner (or trustee) on additional deposit accounts (checking accounts, CDs, IRAs, Savings and Money Market accounts) for their balance to meet the deposit balance requirement. Relationships that fall below the average balance during a statement cycle will be assessed a $15 account service fee.
Special Pricing and Services
- Complimentary Alliance or Guardian-style checks, plus duplicate checks
- Preferred rates on CDs, IRAs and Money Market accounts
- $100 mortgage document preparation fee discount
- Discounted rate on personal overdraft protection (requires credit approval)
- Tiered-rate interest earned daily
- 50% discount on a basic safe-deposit box with autopay
- Online banking and bill pay, mobile banking and telebanking
- Choice of paper statements or eStatements
- Unlimited check writing and no per-check fees, plus check images
- Scheduled transfers with UB SmartSave, which lets you schedule transfers from your checking account to other accounts at predetermined intervals for no fee.
MasterCard World Debit Card Perks
- Two ATM surcharges rebated per month
- MasterCard World debit card
- Valuable MasterCard perks like purchase assurance, extended warranty, price protection and satisfaction guarantee for signature-based debit purchases
- 20% more ScoreCard Rewards points for signature-based debit purchases
- Higher cash withdrawal limit
- All Union Bank ATM fees waived
- Unlimited fee-free access to 55,000 Allpoint ATMs worldwide
- Complimentary standard debit card replacement
Complimentary VIP Services
- Overdraft protection sweeps
- Money orders
- Treasurer’s checks
- Notary service