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United Bank of Union

Checking Accounts

Accounts Designed for You

Your checking account is the heart of your financial life. That's why United Bank of Union offers accounts that fit your everyday needs, from opening your first account to transitioning into retirement. As your community bank, we're focused on providing you secure tools and personalized support to help you succeed. Explore our checking accounts below to find the one that's right for you.
 






















 

All Personal Checking accounts include:

 
Signature Checking
Convenient and flexible everyday spending account for ages 18 and older.
Seniority Club
A free, interest-bearing* checking account for seniors 55+, featuring exclusive benefits and event invitations. 
College Checking
A fee-free checking account for young adults ages 18-25, designed to fit student life.
Teen Difference
A safe, simple checking account for teens ages 13-17 to learn money management and build financial responsibility.
Money Market
A higher interest account with easy access, perfect for savers seeking growth and flexibility. 
second Chance Checking
A fresh start account offering a path to rebuild financial health.












Open YOUR Account Online
 
 

What sets UBU apart?

We're glad you asked. 

 
 

Community-Focused Banking

At United Bank of Union, our community is at the heart of everything we do. We don't just serve the Union area, we live here, too, and take pride in being an active part of local life. We partner with local organizations and schools, attend and host community events, and make decisions benefitting local small business. When you bank with UBU, you're banking with neighbors who genuinely care about making our community stronger. 
 
 

Enhanced Digital Tools

Take control of your finances with easy-to-use digital tools that fit your lifestyle. Whether you're at home or on the go, our online and mobile banking gives you 24/7 account access to manage payments, transfers, and balances with confidence. Stay informed with real-time alerts and enjoy added features that help you budget, track spending, and keep your accounts secure. 
 
 
 

Security You Can Trust

Protecting your finances is our top priority. We use advanced fraud monitoring and secure infrastructure to keep your accounts and data safe, 24/7. We give you simple tools to act fast, like real-time transaction alerts and the ability to turn your debit card on or off in seconds. Plus, we provide local scam alerts and share practical advice to give you the knowledge to recognize and stop scams before they happen.
 






 
 
 
Compare All Checking Accounts
  Signature Seniority Club* College Teen Difference** 2nd Chance^ Money Market^^
Age 18+ 55+ 18-25 13-17 18+ 18+
Opening Deposit $25 $25 $25 $25 $25 $25
Interest --
✓
Avg>$500
 ✓ ✓ -- ✓
ATM & Debit Card ✓ ✓ ✓ ✓ ✓ ✓
Debit Card Limit $1,500 $1,500 $1,500 $200 $500 $1,500
Check Writing  ✓ ✓ ✓ -- -- ✓
Overdraft Protection $300 $500 $300 -- -- $1000
Electronic Statements Available Available Required Required Available Available
Digital Banking ✓ ✓ ✓ ✓ ✓ ✓
Monthly Service Charge $4.95 -- -- -- $7 --
Special Features
  • No monthly service charge per statement cycle if you sign up for e-statements or have 10 posted debit card transactions
  • Discounted checks
  • Free money orders
  • Free cashier's checks
  • Free copies
  • If average balance is $500 or more, you may receive up to $18 in foreign ATM fees refunded per statement cycle.
  • Up to $18 in foreign ATM fees refunded each statement cycle if you have at least 10 posted debit card transactions and log into Online Banking at least once per statement cycle.
  • Up to $18 in foreign ATM fees refunded each statement cycle if you have at least one posted deposit per statement cycle and access Online Banking at least once per statement cycle.
  • Discounted money orders - only $1
  • Higher interest rate
More Information Learn More Learn More Learn More Learn More

 

Ready to take the next step?

Find the nearest UBU branch location to open an account. Call us at 636-583-2555 to schedule an appointment.
 
Open your account online
 

Questions?

Contact us today at 636-583-2555 or click the Let's talk! chat bubble in the lower right corner to communicate with a UBU Customer Contact Specialist.
 
 
 
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 and special banking privileges. 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 13-17 and have a person age 18 or older's signature to open account.
 
Second Chance Account^
If you are currently on ChexSystems 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 $1,000.00 you will earn the current statement savings account rate. A balance exceeding $1,000.00 earns interest according to a tiered balance schedule as provided in the account Truth-In-Savings disclosure.
 
Signature, Seniority, and College Checking Accounts are the only Checking Accounts currently available to open online. See Savings Accounts tab to open a Personal Savings Account online.