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We created VIRTUA! for the individual who wants convenience, efficiency and is environmentally aware. VIRTUA! is a paperless checking account. It is designed as a completely electronic way to handle your finances. Included with VIRTUA! is Union Bank's NetTeller Online Banking Services and PowerPay electronic bill pay, which allow you to monitor your VIRTUA! account, as well as transfer funds, pay your Union Bank loans and create one-time or recurring electronic payments to pay your bills. With PowerPay, you can pay anyone, including rent payments, utilities, auto and home loans and much more! To make it personal, we offer VIRTUA! in six bold colors. Below is an overview of the VIRTUA! account:
  • Choose one of six VIRTUA! card colors (click here for a PDF of the color choices)
  • Electronic, paper free account, no checkbook (1)
  • Includes paperless, itemized monthly e-statement
  • Earn ScoreCard™ Rewards for all signature purchases
  • 2 complimentary domestic out-of-network ATM transactions per month (2)
  • NetTeller® Internet Banking & PowerPay® bill pay
  • Optional Over Draft Protection, upon credit approval
  • Optional UB SmartSave, which automatically transfers money from your
       checking account to your other Union Bank account at predetermined intervals (3)


    1. Virtua! requires a $25 minimum deposit to open.
    2. 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.
    3. Requires combined statement.