Union Bank

Union Bank

 3.9/5 (189 reviews)
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Overall Rating3.9 out of 5
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About Union Bank

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Union Bank, a California-based regional bank, was acquired by U.S. Bank in December 2022. It’s known for offering a wide range of banking products and services, including commercial and retail banking, wealth management and mortgage lending. All current Union Bank accounts should be transitioned into U.S. Bank accounts by July 2023.

Pros & Cons


  • Free checking and savings account options


  • Small service area
  • Expensive overdraft fees

Bottom Line

Union Bank is now part of U.S. Bank. Your accounts will be transferred by July 2023, and you can use U.S. Bank's mobile app to manage your accounts.

Top Union Bank Reviews


I have been a customer of Union Bank for about 26 years. My parents set me up with a junior savings account when I was about 9 years old, and now, at 35, I am still a loyal custom...

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Overall this is a great bank to deal with online and in person. I have been with the other "big" ones and Union Bank is willing to treat you as a person not a number and will help...

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What is Union Bank?

Union Bank, formally known as MUFG Union Bank, is a regional bank with about $104 billion in assets. It operates in California, Oregon and Washington.

In December 2022, Union Bank was acquired by U.S. Bank, the fifth-largest bank in the U.S., with about $585 billion in assets. It operates in 26 states.

How does Union Bank work?

U.S. Bank expects to move all Union Bank accounts over to its system by July 2023. If you have a current Union Bank account, you should receive updates in the mail from U.S. Bank. Once your accounts transfer, you can begin to use U.S. Bank’s mobile app to manage your accounts. The full transition is expected to wrap up in 2023.

U.S. Bank has acquired other banks in the past, so it’s likely Union Bank customers will experience a seamless transition. However, there may be some changes to the way Union Bank customers do business, such as changes to fees or services. You can stay up to date with the transition at www.usbank.com/union-bank.

Union Bank products and services

Union Bank has offered these products:

Union Bank offers a variety of checking accounts, including the Bank Freely checking account, which has no monthly service charge, and the Priority Banking checking account, which offers a variety of perks, such as unlimited ATM fee reimbursement and access to a dedicated banker. Union Bank checking accounts also come with a debit card, which can be used to make purchases online and in-store.
Union Bank’s savings account options include a Bank Freely savings account with no monthly fee and a money market account that comes with unlimited check writing and withdrawals. The bank’s certificates of deposit (CDs) have minimums ranging from $350 to $2,500 depending on the term.
Union Bank has several business products, including two checking accounts, a savings account, loans, merchant services, cash management and more.
With Union Bank’s investment services, customers can plan for retirement, save for college and more. Investment options include mutual funds, exchange-traded funds (ETFs) and annuities, among others.

Union Bank fees

Union Bank has expensive overdraft fees, but its other fees are low compared to most traditional banks. While its Bank Freely accounts and teen and kids accounts have no monthly fees, other account fees range from $4 to $25 a month. However, most can be waived when you maintain a minimum balance or have other Union Bank accounts.

Union Bank doesn’t charge fees if you overdraw by less than $5 or have excessive withdrawals from a savings account. However, it does charge for the following:

  • $2 for non-network ATMs within the U.S.
  • $5 for non-network ATMs outside the U.S.
  • 2% for foreign transactions
  • $10 for overdraft protection transfers from a linked checking account
  • $33 for overdrafts of $5 or more, up to five times per day
  • $6 continued overdraft fee for accounts continuously overdrawn for seven days
  • $15 to $30 for stop payment requests
  • $6 for returned deposits or checks
  • $5 for paper statements
  • $15 for incoming wire transfers
  • $20 to $45 for outgoing domestic wires
  • $35 to $65 for outgoing international wires

Union Bank FAQ

Does Union Bank use Zelle?

Yes, Union Bank uses Zelle, a platform that allows you to send and receive money from friends and family for free.

Where is Union Bank available?

Union Bank serves customers in California, Oregon and Washington.

Is Union Bank merging with U.S. Bank?

Yes, Union Bank was bought out by U.S. Bank in December 2022 and is in the process of transitioning Union Bank accounts into U.S. Bank accounts.

What will happen to current Union Bank accounts?

If you have a current Union Bank account, it should transition into a U.S. Bank account between May and July 2023.

Is Union Bank legit?

Union Bank is a full-service bank with main offices in San Francisco and branches in California, Washington and Oregon. It’s a member of the Federal Deposit Insurance Corporation (FDIC), which means that customer deposits are insured for up to $250,000. In December 2022, it was acquired by U.S. Bank and its accounts will be merged by mid-2023.

Union Bank Reviews

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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: May 22, 2023

I had my account broken into with an extremely secure password, 32 randomized characters including uppercase, lowercase, numbers, and symbols. After money was stolen the first time, the company not only had to be threatened with legal action in order for them to give me my money back, but they refused to disclose the individual who was engaging in the theft, and refused to do anything to prevent that individual from stealing further money from me. The thousand dollars I had in my account was stolen a total of 4 times in a row before I finally marched into the office and closed my account. To this day, they still haven't informed Zelle that my accounts were closed either, so I can't use that app either, and it's all UnionBank's fault. I would recommend people go with Wells Fargo or BofA before UnionBank at this point, and I believe that both of those banks are worse than stuffing cash under a mattress.

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Verified Reviewer
Original review: Jan. 14, 2023

This is the worst bank to have any checks deposited to. They have placed my checks on hold almost every single time I make a deposit. The crazy part is that the checks are always issued from the same bank for the same amount and they refuse to even release partial funds. They have offered for me to go someplace else to get my money if I really need it. RIDICULOUS! If this is the way they treat someone whom has been banking with them for over 10 years I will no longer do any business with them.

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    Verified Reviewer
    Original review: Dec. 2, 2022

    Worst Customer Service ever. They treat customers like their slaves. When a customer default a payment even for 5 days. They just keep calling every time. The customer service agents are like hell. They are telling "Shame on you." "You are so and so." "You can't even make a payment on time". There is no head to that department. The person who is answering the call even doesn't know how to treat a customer well. The head of the department is always not in the seat. They are not educated at all. Maybe there can be ones who left school from doing thug activities. No ethics at all. No politeness. Worst Service. The customer care agents are like Hunting Dogs. Please don't buy any products from Union Bank ever!!!

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    Verified Reviewer
    Original review: Aug. 8, 2022

    This bank treats its customers like criminals. They always question when I deposit large sums of money. I have a great job at the same company for over 2 years. Why are my deposits still side-eyed?! They also hold your money much longer than other banks! They state money will post the next business day, but they decide when to post it, at their convenience --- after my account has been overdraft due to critical time-sensitive payments. This place is trash and honestly suggest you stay away at all costs.

    2 people found this review helpful
    Verified Reviewer
    Original review: July 26, 2022

    **STAY AWAY FROM UNION BANK!!** This is truly the worst bank ever. The people in the branch are very nice but the customer service over the phone is unacceptable. Their system is super slow. Nothing processes in a timely manner. If you have an issue and contact customer service you will not be helped. They will bounce you around and will not solve your problem after wasting hours of your time. Rocheen is the worst supervisor in customer service period.

    7 people found this review helpful
    Verified Reviewer
    Original review: July 19, 2022

    Conservative & Careful, they aren’t really oriented to the everyday person. They’ve used too many of my transactions as “float”, interest free loans, rates are bad, closed Mondays now. 25 years are over.

    2 people found this review helpful
    Verified Reviewer
    Original review: July 13, 2022

    The customer service at Union Bank who answered my call, are crazy angry people, have no experience at all, they need to be trained for the job and they have to be trained on how to deal with the customers, they sound like they are a runaway from a mental institution, or they did not take their nerves pills today. They got angry at me because I do remember the exact date I opened my account which was about 15 years ago, and they want me to remember the date of my last deposit which is more than 5 years ago. I am over 60y. I cannot remember the exact date. My answered for the 1st question was more than 10 years and my answer for the 2nd question was more than 5 years. They got so angry, I felt they want to choke me if they could. They cannot let me ask any question about my account even I answered CORRECTLY my SS#, my D.O.B. my account number and the branch where I opened my account.

    A crazy supervisor also was fueling anger and asked me: - "How come you don't remember those dates but I can remember it?" And she told me, "Go to a branch and ask about your account because you do not remember the exact dates." (Why Union bank has phone customer service?) Just to give the customer hard time or just to use the customers as their punching bags!. The Union bank customer service are not just bad and rude, they are the worst.

    4 people found this review helpful
    Verified Reviewer
    Original review: April 22, 2022

    This is more than likely the worst banking experience I have ever had. My account was placed on “freeze” because of potential fraudulent activity being done to my account. I call the department and I am immediately treated like some criminal. They did not act like they wanted to help me. They acted as if I was the criminal or commuting fraud on my own account. They froze the account and now I have to speak to some investigation department with ZERO access to my funds. When this is resolved I will be closing this bank indefinitely. Customer service!! Yea right, they treat people like garbage. I’ll be going back to Wells Fargo

    4 people found this review helpful
    Verified Reviewer
    Original review: April 13, 2022

    My wife and I had credit cards, checking and saving accounts with Union Bank for years. After my wife passed away in 2018 the bank's services got worse. The branch and telephone service (800) didn't communicate and all with each other and they made a couple of large errors. So, I decided to cancel all accounts and credit cards. I confirmed with the branch and telephone representatives that nothing was owed either way and everything was closed. Months later I found out my wife still had an open account with 13 dollars in it and my credit card was still open and had a delinquent $39.00 charge on it, plus penalties. When I asked to talk to manager I was always disconnected. I tried to pay but the bank wanted twice as much in late fees. I finally just gave up. Let them ding my credit. Lesson learned. Please don't use this bank. They are terrible and blame you for their incompetence.

    5 people found this review helpful
    Verified Reviewer
    Original review: Feb. 24, 2022

    I have banked with Union Bank for over 20 years. Not anymore! My checking account was compromised. They wired a great sum of money to a person across the country without checking with me first. I have never wired money before. When I realized this was happening I tried to get ahold of the fraud department and was put on hold for at least 45 min. When I finally reached a representative they were rude and could not of helped any less. Meanwhile the money was wired and immediately taken from my account. If you want a bank that only deals with fraud from 9-5 Union Bank is highly recommended. I was told they would deal with this matter promptly. I never heard from them again. I had to continually call and email.

    No response was usually the response. When they said they would call back they didn’t. When they said they would contact me via email they didn’t. Today I was told it was my fault and that the bank wasn’t going to reimburse me with fraud protection. I am currently looking at my legal options as well as literally picketing Infront of my ex-local office on my days off. They took my entire savings and left me and my family with 300.00 dollars in my account. I was told to go close the account and get new debit cards for the 300 dollars I had left. That was six weeks ago. The debit cards never came. They left my family with nothing. They are flat out horrible! I cannot stress enough do not bank with them you will be sorry!

    6 people found this review helpful
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    Union Bank Company Information

    Company Name:
    Union Bank