Union Bank Review 2023
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At a glance

CDs
Checking
Savings
MMA
About Bankrate Score
Overview
Union Bank is a good option for customers on the West Coast who want an institution that offers a suite of personal banking services and products.
Highlights
- Low Min Deposit

Bankrate Savings rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

Bankrate Savings rating = 4.7/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

Bankrate Savings rating = 0/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Overall
Union Bank serves customers on the West Coast with branch, telephone, online and mobile banking.
Pros
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The bank has over 350 branches.
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Union Bank offers online, mobile and telephone banking in addition to branch banking.
Cons
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Union Bank’s mobile app is not highly rated by iOS and Android device users.
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Union Bank retail branches are limited to the West Coast.
Union Bank bank products
Union Bank savings overview
The account comes with an ATM card, upon request, as well as access to online and telephone banking.
Pros
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You can open a Bank Freely savings account with just a penny.
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There is no monthly service fee.
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The account comes with an ATM card, upon request.
Cons
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The APY is very low, and it is easy to find better rates at other banks.
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The APY is not tiered, so high balances do not earn more interest than low balances.

Bankrate Savings rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bank experience
Union Bank customer service representatives can be reached by phone Monday through Friday from 7 a.m. to 9 p.m. and on Saturdays from 8 a.m. to 5 p.m., Pacific time. Union Bank is not partnered with an ATM network. Banking kiosks inside Union Bank branches allow customers to complete many transactions on their own.
The bank also allows person-to-person payments using Zelle. Up to 20 Union Bank checking, savings and money market accounts can be combined into one organized monthly statement.
About Union Bank
Union Bank is a subsidiary of Mitsubishi UFJ Financial Group (MUFG), a global financial institution. It is a full-service bank with headquarters in San Francisco. Union Bank has more than 350 retail banking branches in California, Washington and Oregon. It offers checking, savings and money market accounts, certificates of deposit, credit cards, mortgages and other loans, and insurance and investment services.
In September, U.S. Bancorp agreed to acquire MUFG's core regional banking franchise, affecting about 1 million Union Bank consumer customers and about 190,000 small business customers on the West Coast.
Review methodology
We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.