Business Deposit Accounts

UB Business Checking

Best for start-up or small business with low balance and low monthly transaction volume.

Any non-Cannabis Related Business is eligible
Non-interest bearing¹
Open this account for only $100; maintain just $250 to avoid the $7 monthly maintenance fee
First 100² checks or non-electronic debit items are free; $0.40 each thereafter
Up to $10,000³ in free cash deposits, $10 monthly overage fee
Free online banking access via Business Digital Banking Suite, add bill pay for $5.95—includes 10 free bill payments, $0.50 each thereafter
Free eStatement includes images or pay $6 for a paper statement with images

UB Business Premium

Best for small to mid-size business with low to moderate monthly transaction volume.

Any non-Cannabis Related Business is eligible
Non-interest bearing¹
Open this account with $100; maintain $5,000 to avoid the $15 monthly maintenance fee
First 250² checks or non-electronic debit items are free; $0.40 each thereafter
Up to $10,000³ in free cash deposits, $10 monthly overage fee
Free online banking access via Business Digital Banking Suite, add bill pay for $5.95—includes 10 free bill payments, $0.50 each thereafter
Free eStatement includes images or pay $6 for a paper statement with images

UB Business Elite

Best for mid-size to large business with moderate to high balances and moderate to high monthly transaction volume.

Any non-Cannabis Related Business is eligible
Tiered Interest Rates¹
Open this account with $100; maintain $15,000 to avoid the $25 monthly maintenance fee
First 500² checks or non-electronic debit items are free; $0.40 each thereafter
Up to $20,000³ in free cash deposits, $10 monthly overage fee
Free online banking access via Business Digital Banking Suite, add bill pay for $5.95—includes 10 free bill payments, $0.50 each thereafter
Free eStatement includes images or pay $6 for a paper statement with images

UB Business Analysis Checking

Best for larger businesses or corporations with high check volume, cash usage and electronic services.

Any non-Cannabis Related Business is eligible
Non-interest bearing¹
Open this account for $100, no minimum balance requirement
$20 monthly service fees
Earnings credit to offset fees (variable rate—ask for current price)
No transaction limitations apply to this account
Free eStatement includes images or pay $10 for a paper statement with images
Free online banking access via Business Digital Banking Suite, add bill pay for $5.95—includes 10 free bill payments, $0.50 each thereafter
See Account Disclosure and Fee Schedule for full details

UB Community Checking

Non-profit organizations only. Only one UB Community Checking account per organization.

Open this account for only $100
Tiered Interest Rates¹
First 100² checks or non-electronic debit items are free; $0.40 each thereafter
Free online banking access via Business Digital Banking Suite, add bill pay for $5.95—includes 10 free bill payments, $0.50 each thereafter
Free eStatement includes images or pay $6 for a paper statement with images

UB Business Savings

Any size business with extra funds to earn interest on.

No monthly service fees
Tiered Interest Rates
$100 to open this account; maintain $500 or receive $10 monthly maintenance fee
Free online banking via Business Digital Banking Suite; bill pay not available on savings accounts
No transaction limitations apply to this account
Free eStatement includes images or pay $6 for a paper statement with images

UB Business Money Market

Businesses looking to maintain liquidity while earning a higher rate of interest.

Any non-Cannabis Related Business is eligible
Tiered Interest Rates
$100 to open this account; maintain $15,000 or receive $25 monthly maintenance fee
Free online banking via Business Digital Banking Suite; bill pay not available on savings accounts
Up to $20,000 in free cash deposits, $10 monthly overage fee
Limited transactions of six or $10 excess transaction fee—see disclosure for full details

Certificate of Deposit

Maximize your earnings in time frames that will meet your cash-flow requirements.

Minimum opening deposit of $500 is required. Maturity terms range from 91 days to 5 years.
Additional deposits are not accepted during the term. The certificate may be increased at the time of maturity or renewal.
Interest rates are determined by Union Bank. Your certificate will renew for the same term, at the interest rate in effect at the time of maturity, if you do not redeem it.
Interest earned may be added back to the certificate, paid by check or deposited in a checking or savings account.
There is a 10–day grace period after the maturity date in which withdrawals or deposits can be made. Withdrawals made after the 10th day will be assessed a penalty.

See disclosures on these accounts for full details.

¹Interest with optional UB Business Money Market Sweep feature.

²Monthly allowable transactions per statement cycle at no charge ($0.40 for each item over monthly transaction allowance). Transactions include: checks or non-electronic debit items.
³Excess cash deposits are charged at $10 per month.