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Additional Business Services

Union Bank takes pride in exceeding your banking expectations!

We offer the following services:
E-statements offer numerous advantages for businesses, including convenience, cost savings, enhanced security and improved efficiency in financial management processes. By embracing e-statements, you can modernize your business accounting practices, reduce your environmental footprint and gain better control over your finances.
Electronic statements offer several benefits for business accounts compared to traditional paper statements:
 
  • Convenience: Access your account information anytime, anywhere. There’s no need to wait for paper statements to arrive in the mail or visit a branch. E-statements save you time and streamline financial management processes.
  • Reduced Environmental Impact: By opting for e-statements, businesses can contribute to environmental sustainability by reducing paper consumption, minimizing carbon footprint and promoting eco-friendly practices.
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    Cost Savings: Eliminating paper statements can save you money on printing, postage and handling expenses associated with paper-based statements.
  • Enhanced Security: E-statements offer a high level of security with encryptions and delivery through secure channels, reducing the risk of interception or loss during transit. Plus, businesses can implement additional security measures such as multi-factor authentication and access controls to protect sensitive financial information.
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    Faster Access to Information: E-statements are delivered almost instantly as soon as they are generated, allowing businesses to access their account information promptly. This can be crucial for making timely financial decisions, monitoring cash flow and detecting any unauthorized transactions or discrepancies.
  • Archive and Retrieval: Electronic statements can be easily archived and retrieved when needed. Union Bank may provide online access to past e-statements, allowing businesses to view, download or print statements for record-keeping, auditing or tax purposes.
  • Integration with Accounting Software: Integrating with an accounting software platform streamlines the reconciliation process by automatically importing transaction data from e-statements into accounting systems, reducing manual data entry errors and saving time on reconciliation tasks.
  • Customization and Interactivity: E-statements can be customized to include additional information or interactive features tailored to the specific needs of businesses. This could include links to detailed transaction histories, charts/graphs for visualizing financial trends or interactive budgeting tools to help businesses better manage their finances.
     
     
Your Union Bank Debit Card can make purchases in two different ways: as a credit card transaction authorized by your signature or an ATM transaction authorized by your PIN. That is why the cashier at the local store asks you “Debit or Credit.” Both methods access only the funds in your Union Bank checking account.

Why Choose Credit?
As a no-nonsense Union Bank customer, credit is your smartest choice for two reasons:
  1. Credit transactions are run through the MasterCard network and you enjoy their limited fraud protections.
  2. You don’t have to worry about forgetting your PIN number.
Online Shopping SecureCode
  • Add even more security to your debit card when making online purchases with MasterCard's SecureCode feature. Once you enroll for SecureCode, a box will appear requiring you to enter the code when you shop online with a participating merchant.
  • This is a code only you know and is separate from the card unlike the CVC code on the back. To add this feature, click on the link below.

Enhanced Debit Card Benefits From Mastercard

ATM cards are also available for your convenience. An ATM card may be connected to either a checking or savings account and you may access your funds at any ATM location (fee for a non-Union Bank machine). Certain retailers may accept your ATM card to make purchases—similar to a debit card—but there must be a PIN pad present so purchases with an ATM card are limited.

Don't have a Union Bank Debit Card? Contact Us and we'll get one ordered for you.

Out of the Country Travel Tips for Debit Cards
Traveling outside the United States? You can still use your Union Bank Debit Card! Just book your trip and notify us of your plans. With notification from you we can validate any activity that seems unusual for your account. If you don't notify us, your card could be placed in a status that will not allow any activity until we contact you to verify it. This can be difficult if you don’t have your cell phone number on file with us and we are calling your home phone.

Also follow these helpful tips while on your adventure:
  • When traveling out of the country, you should always take at least 2 forms of payment.
  • If one doesn’t work, you have the other to fall back on.
  • In a foreign country, an ATM machine must have the Plus or MasterCard logo, or it will not work.
  • It's been reported that many international ATMs do not keep their signage up-to-date as to what networks they participate in. So, if an ATM won’t work, you can always go into an actual bank and get a cash advance on your debit card.
  • A debit card should never be used to make hotel reservations or car rentals because those vendors block out additional funds on the card for incidental fees. This can cause you to not have available funds for other purchases.
  • Always carry a copy of the front and back of debit and credit cards when traveling in a foreign country. If the cards are lost or stolen, you will have the numbers to contact to cancel the cards. Keep the copies locked in the hotel room safe.