Union Bank Bank Freely™ Checking Account

No, in order to open a Union Bank Bank Freely Checking Account, you need to visit your local branch. To find a Union Bank branch in your area, use their branch locator.

With Deposit Overdraft Protection, you may avoid overdrawing your account if you link your eligible checking, savings, or money market account to your Bank Freely checking account. In case you don't have enough funds in your checking account to cover a transactions, money will be automatically pulled from your linked account, and moved to your Bank Freely checking account, so you don't incur any penalty fees. Deposit Overdraft Protection covers checks, ATM withdrawals, debit card purchases, automatic/recurring debits, and online bill payments.

This overdraft protection services comes with no annual fees, but there's a $10 per day transfer fee. You need to enroll all your accounts in order to benefit from Deposit Overdraft Protection.

You can order checks with Union Bank:

• Online: at deluxe.com to place an order, view your order history, verify the order status, change check designs, and more.
• By phone: call 1-800-238-4486 to order checks or make address and name changes.
• At a Union Bank branch: visit your nearest Union Bank branch to order new checks, reorder checks, make address or name changes, and more. 

Union Bank Express Banking are self-service banking kiosks available in select Union Bank branches in San Diego, Northern, Central, and Southern California areas.

You can enjoy the convenience and flexibility of these kiosks to:

• withdraw and change bills,
• deposit cash and up to 30 checks per transaction,
• cash checks,
• transfer funds between your checking, savings, and money market accounts,
• make balance inquiries,
• email receipts,
• view your credit card details.

With Union Bank Online Banking, you'll be able to access and manage your checking account whenever you want. There are many tasks you can complete from the comfort of your home, using your computer or mobile device. For example, you can pay bills, transfer money between Union Bank accounts or external accounts, set up account alerts, manage your Union Bank debit card, and monitor your account. You can modify your personal information, view account information, such as balance, history, statements, paid checks, deposited checks, and check slips. You can also find a Union Bank ATM or branch nearby, and much more.

The best of all is that is totally free and safe, as long as you log in to your Union Bank Online Banking account through a secure network, using a strong password you'll keep strictly to yourself, and never disclosing your bank account information to anyone.

Online Bill Pay is a digital payment service most banks and credit unions offer for free. This service allows you to easily manage and make payments from your online bank account. In addition to paying bills, you'll be able to pay any individual, business or merchant located in the United States.

The feature is available when you log in to your bank account using your computer or mobile device. With Online Bill Pay, you can set up one-time, recurring or same-day payments, view your eBills (if enrolled), manage payees, and view payment history.

If you want to bank on the go, using the Union Bank Mobile Banking app, you'll be able to:

• view your account balance and transaction history,
• deposit checks,
• transfer money between your Union Bank accounts, as well as your external accounts,
• pay bills, and schedule payments,
• send money to friends, and family,
• locate Union Bank ATMs and branches, and more!

Yes, you'll need to enroll in Online Banking first, prior to being able to use Union Bank's mobile banking app. Once enrolled, all you need to do is download the Union Bank Mobile Banking app from either the App Store or Google Play.

The Union Bank routing numberfor wire transfers and for setting up direct deposit to your Union Bank account is 122000496. If you are ordering checks, the routing number will depend on the branch where your account was opened.

Check Processing:

• California: 122000496
• Oregon: 123000068
• Washington: 125000118

Wires:

• Fed Routing Number: 122000496
• International Wire Payments (SWIFT Code): BOFCUS33MPK

Yes, your deposits are FDIC-insured on up to $250,000. This means that, in case Union Bank fails, FDIC insurance will cover all your deposit accounts, up to the insurance limit, including principal, and any accrued interest through the date of the bank's closing.