1Banco Union Bank
Premier Checking:
Minimum opening deposit of $500 is required.
You can avoid a $21.95 monthly maintenance
fee by keeping $20,000 in combined monthly
average checking, money market, and savings
balances or $50,000 by adding CDs, home
equity, and installment loan balances
(excludes mortgages, refinanced student
loans and savings secured loans) as of the
end of your statement period; and monthly
average investment balances (excluding the
last day of the month). Fees may reduce
earnings. Premier Checking is a tiered rate
product. The tiers are $0 to $2,499.99,
$2,500 to $9,999.99, $10,000 to $24,999.99,
$25,000 to $49,999.99, and $50,000 and over.
The APY (Annual Percentage Yield) for
Premier Checking as of 06/01/2021 is 0.01%
for balances of $0.01 to $49,999.99 and
0.01% for balances $50,000.00 and over, and
is subject to change at any time. Tax
reporting may apply. Product features are
subject to change at any time.
Premier Checking ATM
Benefits:
Banco Union Bank will not charge any fees for
checking withdrawals at non-Banco Union Bank ATMs. If
you are charged a fee by another bank for
checking withdrawals at its ATM, we will
rebate the fee.
2Banco Union Bank
Value Checking:
Minimum opening deposit of $50 is required.
You can avoid the $11.95 monthly service fee
when you meet ONE of the following during
your monthly statement cycle: a) maintain a
monthly average balance of at least $1,000;
b) are age 65 or older and have at least one
direct deposit; OR c) have cumulative direct
deposits of $500 or more each month.
Delivery of statements electronically is
free; those accounts not enrolled in
Statement eDelivery will receive a $2
monthly paper statement fee. This fee is
waived for account holders age 65 and older
or 18 and younger.
3Banco Union BankOne®
Relationship Checking: Minimum
opening deposit of $50 is required. You can
avoid a $16.95 (or $14.95 with direct
deposit) monthly maintenance fee by keeping
$4,000 in combined average checking, money
market and savings balances during your
monthly statement period or $20,000 adding
CD, home equity and installment loan
balances (excludes mortgages, refinanced
student loans and savings secured loans) as
of the end of your statement period. Rates
and fees may vary by state and region; fees
may reduce earnings. The APY (Annual
Percentage Yield) for Banco Union BankOne
Relationship Checking is subject to change
at any time.
4Banco Union Bank
Student Checking:
Minimum opening deposit of $50 is required.
No monthly service charge for 5 years after
opening or switching to this account. After
5 years, it will convert to Banco Union Bank Value
Checking. A valid student ID is required; if
it is not provided within 60 days of account
opening account will convert to Banco Union Bank
Value Checking. You must be at least 18
years old to open an individual checking
account at Banco Union Bank. A student at least 15
years old may open a joint Student Checking
account with another individual who is at
least 18 years old. Each joint owner has
full control over the account and is
responsible for the activity of the other
owner, including the activity of a minor who
is a joint owner. See your Deposit Account
Disclosures for more details on Joint
Ownership Accounts.
Student Checking
ATM Benefits:
Per statement cycle, Banco Union Bank will not charge
for up to 4 ATM fees associated with using
non-Banco Union Bank ATMs. If you are charged a fee
by another bank for using its ATM, we will
rebate 1 fee per statement cycle. Product
features are subject to change at any time.
Insufficient Available Funds Fees: 1 fee
will be rebated per academic year (September
to August).
5Opportunity
Checking:
Minimum opening deposit of $50 is required.
The monthly service charge will be $16.95
(or $11.95 with direct deposit). Visa debit
card purchases using the "credit" option are
limited to $250 per calendar day. Other
miscellaneous fees may apply. Delivery of
statements electronically is free; those
accounts not enrolled in Statement eDelivery
will receive a $2 monthly paper statement
fee. This fee is waived for account holders
age 65 and older or 18 and younger.
*Special
Loan Discounts – Automatic Loan Payment
Offer:
Customers with any personal Banco Union Bank checking
account are eligible to receive an automatic
payment rate discount on Home Equity Loans
and Lines, Mortgages and Personal Loans. To
receive the rate discount, an automatic
payment deduction (ACH) is required from
your Banco Union Bank personal checking account.
This discount does not apply to Government
Assisted Mortgages. Mortgages over
$1,000,000 are not eligible for the
discount.
All loans and lines are
subject to the credit approval process.
Product features, APY and/or offers are
subject to change without notice and may be
withdrawn at any time. Rates and fees may
vary by state and region. Other restrictions
may apply. Cannot be combined with any other
offers from Banco Union Bank or its affiliates. See a
banker for details. Tax reporting may apply.
Other miscellaneous fees may apply and
reduce earnings.
**Delivery
of statements
electronically is free; accounts not
enrolled in paperless statements will
receive a $2 monthly paper statement fee.
This fee is waived for account holders 8 and
younger or 65+.
