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, 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.

Getting Started is Easy

Call us at 1.800.753.4343 and we can easily re-designate your existing checking account as an Advantage or Advantage Plus account, retaining the same account number and checks which you use today. If you need to establish a new checking account, we can easily help with that as well.

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 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

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.

Peace 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

Peace of Mind Guide to Benefits

Benefit Frequently Asked Questions

Mastercard Wi-Fi Access

To File a Claim