What You Need to Open a Union Bank Savings Account
Union Bank lets you open a savings account in person at a branch, online through their website, or by phone. The fastest route is online if you have a government-issued ID and a Social Security number ready. In-person opening at a branch takes about 30 minutes and works if you prefer to speak with someone face-to-face or if you don't have online access at home.
You'll need a valid photo ID (driver's license, passport, or state ID card), your Social Security number, and an initial deposit. Union Bank's minimum opening deposit varies by account type and changes periodically—call your local branch or check their website for the current amount. You'll also need a way to fund the account: a debit card, another bank account, or cash if you're opening in person.
If you're opening online, have your ID information and Social Security number entered into their system before you start. The process usually takes 10 to 15 minutes. If you're opening by phone, a representative will walk you through the same steps and can answer questions about account features as you go.
Key Takeaways
- Union Bank accepts online, in-person, and phone applications for savings accounts, with online being the fastest option if you have an ID and Social Security number ready.
- You will need a valid government-issued photo ID, your Social Security number, and an initial deposit to open an account.
- The minimum opening deposit amount varies by account type and should be confirmed with Union Bank before you begin.
- Online account opening typically takes 10 to 15 minutes, while in-person opening at a branch takes about 30 minutes.
- After opening, your account number and routing number will be provided so you can set up direct deposit or transfers from other accounts.
Opening an Account Online Through Union Bank's Website
Go to Union Bank's official website and look for the "Open an Account" or "New Accounts" link, usually found in the top navigation or under a "Personal Banking" section. Click through to the savings account option and select the specific savings product you want—Union Bank typically offers a standard savings account and may have other variations like high-yield savings or money market accounts.
Enter your personal information: full name, date of birth, Social Security number, address, phone number, and email. Union Bank will verify your identity using information from credit bureaus and public records. This verification usually completes in seconds, though occasionally it may take a few minutes if additional questions come up.
Choose your initial deposit method. You can link an existing bank account and transfer money, use a debit card to fund the account, or in some cases arrange a wire transfer. Enter the amount you want to deposit—make sure it meets the minimum opening deposit requirement. Review the account terms, agree to the account agreement, and submit your application.
You'll receive a confirmation email with your new account number and routing number within minutes. You can start using your account right away for transfers and deposits, though you may need to wait one to two business days before you can withdraw funds if you funded it with a transfer from another bank.
Opening an Account in Person at a Union Bank Branch
Find your nearest Union Bank branch using their branch locator on the website or by calling their customer service line. Go to the branch during business hours with your photo ID, Social Security number, and your initial deposit (cash, debit card, or checkbook from another bank). Tell the representative you want to open a savings account.
The representative will ask for your personal information and verify your identity by checking your ID. They'll explain the account features, interest rates, and any fees associated with the account. Ask about the current minimum opening deposit and confirm whether there are monthly maintenance fees or requirements to avoid them.
Make your initial deposit. If you're bringing cash, the representative will count it and deposit it into your new account. If you're using a debit card, they'll process the transaction. If you're transferring from another bank, they can help you set that up, though the transfer may take one to three business days to complete.
You'll receive your account number, routing number, and temporary debit card (or information on how to order one) before you leave. Some branches can issue a debit card on the spot; others mail it within 5 to 10 business days. Ask when you can expect it and whether you can use your account number to make transfers in the meantime.
Opening an Account by Phone
Call Union Bank's customer service number, which is usually found on their website or on the back of any Union Bank card. Tell the representative you want to open a savings account. Have your photo ID, Social Security number, and initial deposit method ready before you call.
The representative will ask for your personal information and verify your identity. They'll explain the account options and help you choose the right savings product for your needs. Ask about the current minimum opening deposit, monthly fees, and interest rates so you understand what you're signing up for.
Provide your initial deposit information. You can fund the account with a debit card, by transferring from another bank account, or by arranging a wire transfer. The representative will process the deposit and confirm the amount. They'll give you your new account number and routing number over the phone and send a confirmation email.
Your account will be active immediately, though transfers from other banks may take one to three business days to post. Ask the representative when your debit card will arrive and whether you can make transfers using your account number before it does.
What Happens After Your Account Opens
Your Union Bank savings account is ready to use as soon as the account opens. You can receive direct deposits, make transfers from other accounts, and deposit checks using mobile check deposit if Union Bank offers it. You cannot withdraw funds immediately if you funded the account with a transfer from another bank—those transfers typically take one to three business days to clear.
You'll receive online banking access information by email. Set up your username and password to log in to your account online or through the Union Bank mobile app. From there, you can check your balance, see transaction history, set up automatic transfers, and manage your account settings.
Your debit card will arrive by mail if you didn't receive one in person. This usually takes 5 to 10 business days. You can activate it by calling the number on the card or through your online banking portal. Until it arrives, you can still use your account number and routing number to receive deposits and make transfers.
Review your account agreement and any disclosures Union Bank sent you. These documents explain monthly fees, interest rates, withdrawal limits, and other account rules. If you have questions about any of these terms, contact Union Bank's customer service before your first statement arrives.
Documents and Information You'll Need
| What You Need | Why Union Bank Asks For It | Acceptable Forms |
|---|---|---|
| Photo ID | To verify your identity and prevent fraud | Driver's license, passport, state ID card, military ID |
| Social Security number | To verify your identity and report interest earned to the IRS | Your actual SSN (required, no exceptions) |
| Address | For account statements and legal notices | Current residential address where you receive mail |
| Initial deposit | To fund the account and meet minimum opening requirements | Cash, debit card, transfer from another bank, wire transfer |
| Phone number and email | For account notifications and customer service contact | Active phone number and email address you check regularly |
Frequently Asked Questions
Can I open a Union Bank savings account without going to a branch?
Yes. You can open an account entirely online if you have a valid photo ID and Social Security number. The online process takes 10 to 15 minutes and requires no branch visit. You can also open by phone with a Union Bank representative.
What's the minimum amount I need to deposit to open an account?
The minimum opening deposit varies by account type and changes periodically. Contact Union Bank directly or check their website for the current requirement before you start the opening process. Some accounts may have no minimum, while others require $25 to $100 or more.
How long does it take to access my money after I open the account?
Your account is active immediately, but transfers from other banks take one to three business days to clear. If you funded the account with a debit card or cash in person, you can use the money right away. Checks deposited through mobile check deposit typically take one to two business days to clear.
Will I get a debit card with my savings account?
Union Bank may issue a debit card with your savings account, but policies vary. Ask when you open the account whether a debit card is included and when it will arrive. Some accounts come with a card immediately; others require you to order one separately.
What if I don't have a Social Security number?
Union Bank requires a Social Security number to open a savings account. If you don't have one, you may not be able to open an account. Contact Union Bank directly to ask about alternatives or accounts for non-citizens, as policies vary by location.