Ready to Go® Checking

Union Bank Debit Mastercard or ATM Card
Make banking easier and more convenient with a Union Bank® Debit Mastercard® or a Union Bank ATM Card. Use your card at any location that accepts Mastercard®.1

Online Banking
Manage your account from anywhere you have Web access with our Online Banking service.2

Online Bill Pay
Easily make online payments from your account.3

Mobile Banking
Manage your account from your mobile phone with our Mobile Banking service.4

Email Alerts
Receive alerts about important account activity by email at no cost.5

Text Alerts
Receive alerts about important account activity by text message at no cost.6

Unlimited Check Writing
Write an unlimited number of checks against your account.7

Online Statements
Simplify record keeping by accessing online statements and statement archive of your transaction activity for 7 years.8

Paper Statements
Have a paper copy of your monthly statement sent to the mailing address on your account.9

Unlimited Check Supply
Receive an unlimited supply of Union Bank standard personalized checks.10 

Personal Savings or MoneyMarket Account
Get one personal Regular Savings or MoneyMarket account with no Monthly Service Charge.11 

Union Bank ATMs
Use your Union Bank ATM or Debit Card at any of our Union Bank ATM locations throughout North America.12  

Selectable Features at Cost per Month:13  

  • Non-Union Bank ATM Transactions - $3.00/mo
    Use any non-Union Bank ATM worldwide for any transaction. No Union Bank ATM fees and we’ll rebate non-Union Bank ATM fees for the first two transactions per statement period.14
  • Unlimited Premium Check Supply - $1.75/mo
    Receive an unlimited supply of personalized checks in any style. For many customers, this feature is a money-saver compared to the standard cost of check printing.15
  • Incoming Wire Transfers - $1.00/mo
    Receive unlimited wire transfers into your Ready to Go Checking account.16
  • Cashier’s Checks & Money Orders - $1.00/mo
    Get unlimited Cashier's Checks, and Money Orders.17
  • Expedited Card Delivery - $1.00/mo
    Have a replacement ATM or Debit Card sent to you within two days from the time you request it.18


Disclosures

(1) Both ATM and debit cards are offered as options but you can only activate one card type for use. You can use your Debit or ATM Card at no cost at Union Bank ATMs for cash withdrawals, deposits and transfers between linked Union Bank accounts. Fees may apply to use your Union Bank Debit or ATM Card at non-Union Bank ATMs or to obtain an ATM mini-statement. Point of sale merchants may also add a surcharge.

(2) No fee to access or enroll in Online Banking. You need to enroll prior to use.

(3) Set up Online Bill Pay through the Union Bank Online Banking service.

(4) Mobile Banking is offered at no cost to Union Bank Online Banking users. You may incur charges assessed by your service provider. Message and data rates may apply. Must enroll in Online Banking in order to enroll in Mobile Banking.

(5) Set up Email Alerts through the Union Bank Online Banking service. Email Alerts are provided for convenience only and do not substitute for account statements or other notices from us. Refer to our "Online Banking Service Agreement' for additional details. Email Alerts received on your mobile access device may incur charges from your mobile service provider.

(6) Set up Text Alerts through the Union Bank Online Banking service. Text Alerts are provided for convenience only and do not substitute for account statements or other notices from us. Refer to our "Online Banking Service Agreement" for additional details. Text Alerts received on your mobile access device may incur charges from your mobile service provider.

(7) Up to Available Balance.

(8) Both Online and Paper Statements are offered as options but you can only choose one statement delivery option. If you do not select Online Statements, you will be automatically enrolled to receive paper statements. You must enroll in Online Banking in order to set up Online Statements.

(9) You may have either a Paper or Online statement for your account. You have options to receive a paper statement with or without checks images. If requesting check images, a $3.00 monthly fee will apply.

(10) Receive personalized checks in Union Bank Exclusive design at no additional cost.

(11) No Monthly Service Charge for only one consumer deposit product is allowed. Deposit products eligible are Regular Savings and MoneyMarket accounts. The selected account is required to be linked to the Ready to Go Checking account.

(12) Use your Union Bank ATM or debit card at Union Bank ATMs for deposits, withdrawals, and transfers between linked Union Bank accounts. Fees may apply to use your Union Bank ATM or debit card at non-Union Bank ATMs or to obtain an ATM mini-statement. For ATM locations, go to unionbank.com Find Locations link or contact us at 800-238-4486.

(13) Features at a Cost per Month can be added or canceled at any time. Fees for other account services not listed above may be assessed. Please see “Personal Accounts Fee Schedule”.

(14) If non-Union Bank ATM transactions exceed two per statement period both Union Bank fee and non-Union Bank ATM providers' charge will apply. The Union Bank fee for usage of non-Union Bank ATM is $2.00 within the US and $5.00 outside the 50 United States. Additional fees charged by non-Union Bank ATM providers may vary. Monthly feature cost of $3.00 will apply even if the service was not used during the statement period.

(15) Unlimited Premium Check Supply: If canceled within 12 months and a check order was processed within the last 6 months, your account will be debited the $1.75 monthly cost for each of the remaining months.

(16) Monthly feature cost of $1.00 will apply even if the service was not used during the statement period. This feature offers incoming wire fee waiver only. Outgoing wire fees still apply. Please see see “Personal Accounts Fee Schedule” for more information.

(17) Monthly feature cost of $1.00 will apply even if the service was not used during the statement period. Please see "Personal Accounts Fee Schedule" for more information.

(18) Monthly feature cost of $1.00 will apply even if the service was not used during the statement period.

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