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All accounts require a $25 minimum to open, except our Money Market account, which requires $1,000. All accounts feature complimentary NetTeller, PowerPay and Express Telebanking.

UB Free

• Requires $25 minimum to open
• Unlimited check writing, no monthly service charge and no minimum balance requirement
• Earn ScoreCard® Rewards for all signature purchases
• Includes UB Debit MasterCard
• Includes check safekeeping
• Earn 250 ScoreCard® points when you sign up for complimentary e-statements at account opening
• NetTeller® Internet Banking & PowerPay® bill pay
• Optional Overdraft Protection, upon credit approval
• Optional UB SmartSave, which automatically transfers money from your checking account to your other UB account at predetermined intervals (this feature requires a combined statement).
• VIP program available for only $4 per month

Free 55

• Requires $25 minimum to open
• A perfect account for those 55 years of age and older
• Unlimited check writing, no monthly service charge and no minimum balance requirement
• Variable tiered interest on all balances, compounded and credited monthly
• Complimentary initial order of 150 basic checks
• Earn ScoreCard® Rewards for all signature purchases
• Includes UB Debit MasterCard
• Includes check images with monthly statement (Check images are not included with e-statements; with e-statements check images are available within your NetTeller account history.)
• Earn 250 ScoreCard® points when you sign up for complimentary e-statements at account opening
• Complimentary consultation with a Union Bank Trust Investment Advisor
• NetTeller® Internet Banking & PowerPay® bill pay
• Optional Overdraft Protection, upon credit approval
• Optional UB SmartSave, which automatically transfers money from your checking account to your other UB account at predetermined intervals (this feature requires a combined statement).
• VIP program available for only $4 per month

VIRTUA!™

• Requires $25 minimum to open
• Choose one of six VIRTUA! card colors
• Electronic, paper free account, no checkbook
• No Monthly Fee
• 2 complimentary domestic out-of-network ATM transactions per month
  
  For non-Union Bank/VINA ATM transactions, the institution that owns the ATM (or the ATM network) may assess a fee. An International Service Assessment Fee applies to all international ATM transactions.
  
  
• Earn ScoreCard® Rewards for all signature purchases
• Includes paperless, itemized monthly e-statement
• NetTeller® Internet Banking & PowerPay® bill pay
• Optional Overdraft Protection, upon credit approval
• Optional UB SmartSave, which automatically transfers money from your checking account to your other UB account at predetermined intervals (this feature requires a combined statement).

NOW Checking

• Requires $25 minimum to open
• Variable tiered interest on all balances, compounded and credited monthly
• $5 monthly fee waived with a minimum $300 balance
• Earn ScoreCard® Rewards for all signature purchases
• Includes UB Debit MasterCard
• Includes check images with monthly statement (Check images are not included with e-statements; with e-statements check images are available within your NetTeller account history.)
• Earn 250 ScoreCard® points when you sign up for complimentary e-statements at account opening
• NetTeller® Internet Banking & PowerPay® bill pay
• Optional Overdraft Protection, upon credit approval
• VIP program available for only $4 per month

Money Market Checking

• Requires $1000 minimum to open
• Variable tiered interest, compounded and credited monthly on balances over $500
• $5 monthly fee waived with a minimum $1,000 balance
• Complimentary Money Market starter package
• Includes check safekeeping
• Complimentary e-statements available
• NetTeller® Internet Banking & PowerPay® bill pay
• $5.00 for each check paid in excess of 6 per statement cycle

Transaction limitations* Six authorized transfers per monthly statement cycle from this account to another account or to third parties by automatic, electronic or telephone transfer. This includes transfers made by check, debit card or similar order. *Unlimited transfers and withdrawals are permissible in person, by mail, by messenger, by ATM or by electronic transfer to repay your Union Bank loan(s)

What is the VIP program?

• Union Bank’s Value Integrated Package is only $4 per month and can be added to UB Free, Free 55 and NOW accounts.
• Complimentary order of 150 basic checks each year
• Earn an additional 20% ScoreCard® Rewards point bonus each month
• 2 complimentary domestic out-of-network ATM transactions per month
  
  
  For non-Union Bank/VINA ATM transactions, the institution that owns the ATM (or the ATM network) may assess a fee. An International Service Assessment Fee applies to all international ATM transactions.
  
  
• No fee Overdraft Protection Sweep from your Savings
• No fee money orders
• No fee treasurer’s checks
• No fee traveler’s checks
• No fee notary services
• 10% residential mortgage documentation preparation fee discount

What is NetTeller® ?

With Union Bank’s free NetTeller® online banking system, you can quickly and conveniently access your accounts from any computer with Internet connectivity. You can transfer funds between checking and savings accounts, or make a loan payment. NetTeller® makes it easy to keep track of your finances by allowing you to download your account information from NetTeller® in a variety of popular formats compatible with most major financial software programs. See how so many Union Bank customers are saving time and effort by banking online.

What is PowerPay®?

PowerPay®, Union Bank’s electronic bill pay service provides you with the POWER to PAY your bills online. Why waste time and money on checks, stamps, envelopes and trips to the post office? PowerPay® can help you pay any bill with a few simple strokes of your keyboard. Just imagine how much time you’ll save! (You get 25 complimentary PowerPay transactions each month, each transaction above 25 carries $0.50 processing fee.) PowerPay is easy to set up and simple to use, conveniently accessed through our NetTeller® online banking service.

What is Express Telebanking®?

Our free Express Telebanking® service allows you to access your accounts 24 hours a day, 7 days a week with any touch-tone telephone in the continental United States. You can transfer funds, or check account balances and history. For local access in greater Lamoille County, call 888-6448. If you’re out of town, call toll-free (800) 583-2869.