United Bank of Union
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Checking Accounts

United Bank of Union Checking Account Options


United Bank of Union offers a variety of checking accounts and services to fit your individual banking needs. Visit any United Bank of Union branch and talk with an Account Services representative about what options fits you best.

In light of the COVID-19 pandemic, United Bank of Union will be waiving the fee normally charged for exceeding the limit of six withdrawals or transfers from a money market account within one statement cycle.
This relief will be effective through December 31, 2020. If you should have any questions regarding how this may affect you, please contact us at (636)-583-2555.


 Signature  Seniority* College Teen Difference** Second Chance^ Money Market^^ 
Age 18+ 55+ 18-25 13-18 18+ 18+
Opening Deposit $25 $25 $25 $25 $25 $25
Interest -- Avg>$500 Yes Yes -- Yes
ATM Card Available Available Available Available Available Available
Debit Card Available Available Available Available Available Available
Debit Card Limit $1,500 $1,500 $1,500 $200 $500 $1,500
Check Writing  Yes Yes Yes -- -- Yes
Overdraft Protection $300 $500 $300 -- -- $1000
Electronic Statements Available Available Required Required Available Available
Online Bill Pay Available Available Available Available Available Available
Monthly Fee $2.95 -- -- -- $7 --
Special Features  Fee is Waived if you sign up for Electronic Statements or have at least 10 Debit Card Transactions
Discounted Checks
Free Money Orders
Free Cashiers Checks 
Free Copies 
If Average Balance is $500 or more  you may receive up to $18 in Foreign ATM Fees refunded per month
 Up to $18 in Foreign ATM Fees refunded each month if you have at least 10 Debit Card Transactions and log into your Online Banking at least once a month  Up to $18 in Foreign ATM Fees refunded each month if you have at least 1 deposit and log into your Online Banking at least once a month 
Online Bill Pay will be available after account has been in good standing for 6 months
If account is in good standing for one year you may request your account to be a Signature Account
 Higher Interest Rate 







 


Seniority Checking Account*

The account earns monthly interest at the current NOW account annual percentage yield if a minimum average daily balance of $500.00 is maintained. Interest is not paid if the average balance falls below $500.00. The Seniority Club features social activities, travel, special banking privileges, and a quarterly newsletter. No membership fee is required. Visit our Seniority Club page for more information. 

Teen Difference Checking Account**

Account holder must be between the ages of 13-18 and have a parent or legal guardian's signature if under 18.

Second Chance Account^

If you are currently on Check-Systems please call us at 636-583-2555 to find out if you are eligible for this account.

Money Market Checking Account^^

If the average balance falls below $1000.00 you will earn the current statement savings account rate. A balance exceeding $1000.00 earns interest according to a tiered balance schedule as provided in the account Truth-In-Savings disclosure. Federal Law limits the number of transfers in savings and money market accounts to six per calendar month. A service charge will apply for each check or debit card transaction clearing the account that exceeds the maximum allowed. You are allowed unlimited withdrawals in person within the bank.

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