If you have a question about anything on this page–or want
assistance in designing a Banking By DesignSM checking account
that's custom-made for your needs–just give us a call.
Call us toll free at 1-877-428-4898
8 a.m. – 8 p.m. PST, Monday – Friday
8 a.m. – 6 p.m. PST, Saturdays
Closed Sundays and holidays
You can come back to this site and pick up where you left off, but
you’ll need your Banking By Design℠ code to access the choices you’ve just made.
Your Banking By Design℠ code is: 44567
Print this code and your summary end of simulated dialogYour current zip code is: . If you would like to change your zip, please enter your new zip code below.
We’re sorry, but we need your zip code to complete your account’s design. Please enter it below and click “Submit.”
The first thing to know about Banking By Design℠ is how affordable
it is—your account can be opened with as little as $100, and any
balance greater than zero will keep it open.
Optional features are either at no cost, or as low as $1 a month.
When you make a single direct deposit of at least $250 during the
monthly statement period, we’ll waive the $3 base cost (monthly
service charge).
All you need to get started is your zip code.
end of simulated dialogPlease enter the Banking By DesignSM code you received during your last visit. It should contain 4 to 7 characters without spaces.
Banking By DesignSM is not currently available where you live. We do, however, have a variety of other great checking accounts that you might want to consider. Click below to see your choices.
See other accounts end of simulated dialogWithout the Banking By DesignSM code you were given on your last visit, we can’t show you the options you were considering. But that’s okay. We’ll give you a clean slate, and you can get back to designing a checking account that’s made just for you.
Continue end of simulated dialogOur features list has changed since this code was created. Please continue to our features selection page and re-check the features you'd like on your account.
Continue end of simulated dialogIn order to add Online Statements, Mobile Banking, Email Alerts or Text Alerts to your account, you must also have Online Banking. Because you've requested one or more of these features, we have re-selected the Online Banking button for you.
end of simulated dialogIn order to add Expedited Card Delivery or Non–Union Bank ATM Transactions to your account, you must also request a Union Bank Debit Card. Because you've requested one or both of these features, we have re-selected the Debit Card button for you.
end of simulated dialogIn order to add Expedited Card Delivery or Non–Union Bank ATM Transactions to your account, you must also request a Union Bank ATM Card. Because you've requested one or both of these features, we have re-selected the ATM Card button for you.
end of simulated dialogTo begin receiving text alerts: (1) open your account here, in a branch, or by phone and (2) enroll in Online Banking. Then sign up for Text Alerts through Online Banking.
end of simulated dialogTo begin receiving email alerts: (1) open your account here, in a branch, or by phone and (2) enroll in Online Banking and sign up for Email Alerts through Online Banking.
end of simulated dialogTo begin using mobile banking: (1) open your account here, in a branch, or by phone and (2) enroll in Online Banking and sign up for Mobile Banking through Online Banking.
end of simulated dialogTo begin receiving online statements: (1) open your account here, in a branch, or by phone and (2) enroll in Online Banking and sign up for Online Statements through Online Banking.
end of simulated dialogTo begin using Online Bill Pay: (1) open your account here, in a branch, or by phone and (2) enroll in Online Banking and sign up for Online Bill Pay through Online Banking.
end of simulated dialogTo receive Expedited Card Delivery, you must also select the Debit Card or ATM Card feature. Which card would you prefer? Learn more.
Select Debit Card Select ATM Card end of simulated dialogTo receive Expedited Card Delivery, you must also select the Debit Card or ATM Card feature. Which card would you prefer? Learn more.
Select Debit Card Select ATM Card end of simulated dialogTo use non–Union Bank ATMs, you must also select the Debit Card or ATM Card feature.
end of simulated dialogSome of the account features you’ve selected require that you have Online Banking. There’s no additional cost for this, and you can easily set it up anytime after your new Banking By DesignSM account has been opened.
Select Online Banking end of simulated dialogYou are entitled to Online Statements as part of the account you just designed. To receive Online Statements, you must first set up Online Banking (after your new account has been opened) and request Online Statements. Otherwise, weʼll be required to mail you paper statements at a cost of $1 per month.
Go back Continue end of simulated dialogYou didn’t select Online Statements or Paper Statements for the account you just designed. Please make your choice below. Online Statements are available at no cost, and Paper Statements cost $1 per month. Learn more.
Select Online Statements Select Paper Statements end of simulated dialogTo begin receiving online statements: (1) open your account here, in a branch, or by phone and (2) enroll in Online Banking and sign up for Online Statements through Online Banking.
end of simulated dialogYou have not requested Unlimited Check Supply. We wanted you to know that, for many customers, this can be a money-saving feature. It costs $1 per month (for a minimum 12-month commitment), which compares favorably to the standard cost of checks ($24 for 120 checks). If you would like to add this feature, simply click “Go back” below.
Go back Continue end of simulated dialogYour account’s $3 monthly service charge will be waived every month you make a direct deposit of $250 or more. Is this something you plan to do or not? (You can change your mind later.)
Go back end of simulated dialogYou are entitled to Online Statements as part of the account you just designed. To receive Online Statements, you must first set up Online Banking (after your new account has been opened) and request Online Statements. Otherwise, weʼll be required to mail you paper statements at a cost of $1 per month.
Go back Continue end of simulated dialogYour account comes with either a Debit Card or an ATM Card. Which card would you prefer? Learn more.
Select Debit Card Select ATM Card end of simulated dialogBecause you have selected a feature that requires a Bank Card, you must you must choose either a Debit Card or an ATM Card. Which card would you prefer? Learn more.
Select Debit Card Select ATM Card end of simulated dialogYou can select either Online Statements (no cost) or Paper Statements ($1 monthly cost). Which kind of statement would you prefer? Learn more.
Select Online Statements Select Paper Statements end of simulated dialogYou can select either a Regular Savings Account or a Money Market Account. Which savings account would you prefer? Learn more.
Select Regular Savings Select Money Market end of simulated dialogYou can select either Unlimited Check Supply or Unlimited Premium Check Supply. Which kind of checks would you prefer? Learn more.
Select Unlimited Checks Select Unlimited Premium Checks end of simulated dialogYou can select either a small, medium, or large Safe Deposit Box. Which size would you prefer? Learn more.
Select Small Box Select Medium Box Select Large Box end of simulated dialogMake banking easier and more convenient with a Union Bank® Gold Debit MasterCard® Use your card at any location that accepts MasterCard®. We'll replace your Debit Card at no cost to you if lost or stolen.
Make banking easier and more convenient with a Union Bank ATM Card. We’ll replace your ATM Card at no cost to you if lost or stolen.
Both Debit and ATM Cards are offered as options but you can only activate one card type for use. You can use your Debit 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 Card at non-Union Bank ATMs or to obtain an ATM mini-statement. Point of sale merchants may also add a surcharge.
end of simulated dialogManage your account from anywhere you have Web access with our Online Banking service.
Online Banking is offered at no cost to Union Bank customers. You need to enroll prior to use.
end of simulated dialogSimplify record keeping by accessing online statements and statement archive of your transaction activity for 7 years.
Have a paper copy of your monthly statement sent to the mailing address on your account.
If you do not select Online Statements, a paper statement will be generated monthly and a monthly cost of $1.00 will apply. You must enroll in Online Banking in order to set up Online Statements.
You may have either paper or Online Statements for your account. If you select this feature, Paper Statements will be provided monthly and a monthly charge of $1.00 will apply. If requesting check images, an additional fee of $3.00 will apply.
end of simulated dialogManage your account from your mobile phone with our Mobile Banking service.
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.
end of simulated dialogReceive alerts about important account activity by email at no cost.
Set up Email Alerts through Union Bank’s 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 Agreement for additional details. Email Alerts received on your mobile device may incur charges from your mobile service provider.
end of simulated dialogReceive alerts about important account activity by text message at no cost.
Set up Text Alerts through Union Bank’s 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 Agreement for additional details. Text Alerts received on your mobile device may incur charges from your mobile service provider.
end of simulated dialogUse your Union Bank ATM or Debit Card at no cost at any of the more than 600 Union Bank ATM locations throughout North America.
Use your Union Bank ATM or Debit Card at Union Bank ATMs for deposits, withdrawals, and transfer 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.
end of simulated dialogUse any non-Union Bank ATM worldwide for any transaction. We'll waive Union Bank fees and rebate non-Union Bank fees for the first two transactions per statement period.
Fee waiver applies to the first two non-Union Bank ATM transactions per statement period. If non-Union Bank ATM transactions exceed two per statement period both Union Bank fee and non-Union Bank ATM providers' charge will apply. 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 fee charged by non-Union Bank ATM providers may vary.
end of simulated dialogEasily make online payments from your Banking By DesignSM account. Try it now — add Online Bill Pay to your account to use this convenient feature (normally $1.50 per month, waived through December 31, 2013).
You need to select Online Bill Pay feature and enroll in Online Banking and Online Bill Pay prior to use.
As an introductory offer, Online Bill Pay cost will be waived until 12/31/13. Beginning 1/1/14, the monthly feature cost of $1.50 will apply even if the service is not used during the statement period.
Receive an unlimited supply of Union Bank Exclusive personalized checks. For many customers, this feature is a money-saver compared to the standard cost of check printing. You can cancel at any time, but a $1 cost for each of the remaining months may apply if you cancel before 12 months.
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. You can cancel at any time but a $1.75 cost for each of the remaining months may apply if you cancel before 12 months.
If canceled within 12 months and a check order was processed within the last 6 months your account will be debited the monthly feature cost for each of the remaining months.
end of simulated dialogGet one personal Regular Savings account with a monthly service charge waiver. This account offers other ways to waive the monthly service charge. Refer to the applicable account disclosures. If you meet the waiver requirements, you can contact us to cancel the feature.
Get one personal MoneyMarket account with a monthly service charge waiver. This accounts offers another way to waive the monthly service charge. Refer to the applicable account disclosures. If you meet the waiver requirements, you can contact us to cancel the feature.
Only one consumer deposit product is allowed for a monthly service charge waiver. Eligible deposit products are Regular Savings and MoneyMarket accounts. The selected account is required to be linked to the Banking By DesignSM account for the monthly service charge waiver.
end of simulated dialogReceive unlimited wire transfers into your Banking By DesignSM account.
Monthly feature cost of $1.00 will apply even if the service is not used during the statement period. This feature offers incoming wire transfer fee waiver only. Outgoing wire transfer fees still apply. Please see Fee Schedule for more information.
end of simulated dialogGet unlimited Traveler’s Cheques, Cashier’s Checks, and Money Orders.
Monthly feature cost of $1.00 will apply even if the service was not used during the statement period.
end of simulated dialogProtect your valuables and important documents with a safe deposit box at a Union Bank branch. Safe deposit boxes with annual fee of $40 to $60 are considered Small. Availability may vary by location.
Protect your valuables and important documents with a safe deposit box at a Union Bank branch. Safe deposit boxes with annual fee of $61 to $79 are considered Medium. Availability may vary by location.
Protect your valuables and important documents with a safe deposit box at a Union Bank branch. Safe deposit boxes with annual fee of $80 and over are considered Large. Availability may vary by location.
If you cancel your safe deposit box feature but maintain your box, you will be billed the usual annual fee 30 days after the cancellation. If you have already paid your annual fee and you are adding this feature to your account, the future cost will not apply until the anniversary date of your safe deposit box agreement.
end of simulated dialogHave a replacement ATM or debit card sent to you within two days from the time you request it.
Monthly feature cost of $1.00 will apply even if the service is not used during the statement period.
end of simulated dialogGet priority access to a live banker whenever you phone the Union Bank Call Center during normal business hours at 800-238-4486
Monthly feature cost of $1.00 will apply even if the service is not used during the statement period. You will be placed at the front of the queue for the next available representative once your account information is verified.
end of simulated dialog