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Additional Personal Services

Union Bank takes pride in exceeding your banking expectations!

We offer the following services:

The Class Act Club is for our hard-working customers who are 50 years or better. Class Act Club was created to enhance your active adult lifestyle. Since 1990, our club has grown significantly, and we are proud to continue to attract new members. Our pledge is to meet all of your financial needs and to make every event memorable and fun. I look forward to seeing you at future events.

Membership Requirements
  • 50+ years of age
  • Minimum of $5,000 in any account or combination of deposit accounts at Union Bank
  • If your combined balance falls below $5,000 you will be charged for the financial rewards which you receive free as a club member.

Membership Benefits
You will receive personalized club, wallet style, non-duplicate checks for one checking account. These checks are complementary for one order per year. Special interest rate increases are available for certificates of deposit with a balance of $10,000.00 or more. Interest must be compounded or deposited into another account at Union Bank.
**Special Class Act Certificate of Deposit rate increases do not apply to promotional CD prices.

Other Club Benefits
  • 10% rental discount on a Safe Deposit Box
  • 10 Free Photocopies per month
  • Free ATM Transactions at any UB location. Some non-UNION BANK ATM’s charge a fee for using their ATM. (This cannot be waived)
  • Four No-Fee Cashier's Checks ($1,000 or over) per month
  • Free Notary Service/Signature Guarantee
  • Social Events
  • Free Consultations with our in-house Investment Representative (non-FDIC insured products)

Contact a customer service representative at the Union Bank office near you to join or click here to contact us.
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
  • Union Bank debit cardholders can take advantage of additional benefits from Mastercard, including Mastercard ID Theft Protection, Extended Warranty Protection, Price Protection and much more! Visit Mastercard's website to learn more.
  • Learn about 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.
Protecting your credit is one of the most important things you can do. Just as you keep yourself in good shape with regular doctor checkups and a healthy lifestyle, you must also conduct periodic checks of your credit and lead a healthy spending and savings lifestyle.

There are a number of components to good credit that include education, budgeting, smart spending and savings, and identity theft protection. One of the smartest things you can do is keep an eye on your credit report. You are entitled to a free credit report annually and you should certainly take advantage. Your credit report is seen by any future creditor where you might apply for a car or home loan, credit card or even a rental apartment. Finding errors on your credit report and correcting them can mean the difference between receiving a loan you need and being denied.

We’re here to help. If you have questions about credit, loans or savings, just ask!

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