How do you pay for your daily spending? Many people enjoy the convenience of cashless transactions. When you use a debit card or credit card, you don’t have to worry about carrying enough cash or finding a pen to write a check.
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, certificates of deposit, individual retirement accounts, 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
- Preferred rates on Certificates of Deposit, Individual Retirement Accounts and Money Market Accounts
- Free Alliance or Guardian-style checks, plus single or duplicate checks
- $100 mortgage document preparation fee discount
- Discounted rate on personal overdraft protection (requires credit approval)
- Tiered-rate interest earned daily
- Free standard safe deposit box (or equivalent discount on larger box)
- Online banking and unlimited online bill pay, mobile banking and telebanking
- Choice of paper statements or eStatements
- Unlimited check writing and no per-check fees, plus check images
Mastercard World Debit Card Perks
- All Union Bank Automated Teller Machine (ATM) fees waived
- Rebated Automatic Teller Machine (ATM) surcharges- three per month, to be credited early next month
- Unlimited fee-free access to 55,000 Allpoint Automated Teller Machines (ATMs) worldwide
- 20% more ScoreCard Rewards points for signature-based debit purchases
- Valuable Mastercard perks like purchase assurance, extended warranty, price protection and satisfaction guarantee for signature-based debit purchases
- Free debit card standard replacement
- Mastercard World debit card
- Higher daily limit on Automatic Teller Machine (ATM) cash withdrawals
NEW Travel Benefits*
- Travel Assistance
Provides pre-trip destination information, such as immunization and embassy details, if traveling more than 50 miles from home and if trip purchased with an eligible Mastercard. Terms of coverage is limited to $1,500 per any twelve (12) month period.
- Trip Cancellation/Interruption Insurance
Protects cardholders from forfeited, non-refundable, unused payments and deposits if a trip is interrupted or cancelled, if purchased with an eligible Mastercard.
- Collision Damage Waiver
Covers cardholders for damages (physical damage and theft) to a rental vehicle if an eligible Mastercard is used for the rental transaction.
NEW Piece of Mind Benefits
- ID Fraud Expense Reimbursement
Reimbursement for expenses incurred as a result of identity theft.
- Cell Phone Protection Insurance
Reimbursement for the expense incurred for stolen or damaged phones, if recurring phone bill payments are made using your eligible Mastercard.
- Free Wi-Fi Access
Offers access to unlimited and secure Wi-Fi at over 1 Million hotspots globally for up to four devices. Premium speeds with 50 Mbps (megabits per second) in select locations, 4 times faster than the global average.
Travel Guide to Benefits
Piece of Mind Guide to Benefits
Benefit Frequently Asked Questions
Mastercard Wi-Fi Access
To File a Claim
Complimentary Value Integrated Package (VIP) Services
- Overdraft protection sweeps from another deposit account
- Money orders
- Treasurer’s checks
- Notary service
Download a one-page overview on Advantage Checking (PDF)
Compare Advantage Banking Checking Accounts
Compare Deposit Accounts
* Effective 9/1/18 only with our World Debit Card