Grow your balance over time

Grow your balance over time — starting with a cash bonus

Choose from a range of interest-earning savings options to fit your needs, timeline, and risk tolerance.

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**Available to persons age 25 and younger. Annual Percentage Yield (APY) accurate as of the effective date in the deposit account rates. Rate may change after account opening and fees may reduce earnings. Requires enrollment in RoundUp, we will match up to $10 of your RoundUp deposits posted within 60 days enrollment.

  Minimum Opening Deposit Monthly Fee Age Requirement Earns Interest; see current rates Six free withdrawals per statement cycle
Simply Savings $25 $3; waived with a $100 average balance
$5 for each additional
Simply Savings Student $25 25 and under

$5 for each additional

Union Money Fund $50 $5: waived with a $1000 average available balance
Ability to write checks
Value Edge Money Market $10,000
$25 for each additional withdrawal or check



Start saving for tomorrow’s healthcare expenses today

Our health savings accounts offer a triple tax advantage — and room to grow.

Your Money Has People

Real people who really care

Our people take pride in going the extra mile to help our customers, so you can relax knowing we have your best interests in mind. Beyond savings accounts, you’ll find a full range of services to help you grow your wealth — backed by real people, like Lauren.

Relationship Advantage: A premium program for our most invested customers

Fee Relief

With $10,000 in combined personal accounts (HSAs excluded), your debit activity fees and return deposited item fees are waived on your personal checking accounts.

ATM freedom

Enjoy free, unlimited use of all non-Union Bank ATMs as well as Union Bank ATMs.
(Note: This does not waive surcharges some ATM owners may assess.)

It’s automatic

Each month, we automatically check to see if you qualify — you don’t have to sign up. Applies where the primary account holder is the same on the qualifying deposit accounts and checking account.



An easy way to save

When you use your Union Bank Visa debit card, we’ll round up the total to the nearest dollar and automatically deposit the difference into your savings account. Over time, this change can really add up! It’s easy and free. Sign up at any UBT location.

Frequently Asked Questions

How can I add someone to an account?

The fastest way to add someone to your account would be to stop into any branch location with them.

How can I remove an owner from an account?

We are not able to remove an account owner; a new account would need to be opened.

How can I close an account?

We require a signature from an account owner to close an account. The fastest and simplest way is to stop into any branch location. 

When do I receive my savings account statements?

Savings account statements are rendered quarterly. If you have a checking account and have elected for combined statements then you will receive a statement monthly.

Why is my account inactive?

A checking or Savings account will become inactive after 12 months of no credit or debit activity.

Why can I not withdraw more than six times a month?

Regulation D (Reg D) is a Federal Reserve Board rule that puts a limit of six transactions per month on certain transfers and withdrawals from your savings or money market account.  If you go over the limit, UBT can charge you a fee and/or close your account or restrict transactions.   Reg D is the federal government's way of encouraging people to use saving accounts as they are intended---to save money---and ensures that banks have the proper amount of reserves on hand.

Which transactions are limited under Reg D?

  • Online transfers from savings or Money Market accounts to a different account either at the same institution or a different one
  • Transfers processed over the phone
  • Automatic or preauthorized transfers, such as bill payments or any other recurring transfers
  • Overdraft transfers from your savings account to your checking account
  • Transfers made by check or debit card.

Which transactions don't count under the limit?

  • Withdrawals or transfers made at ATMs
  • Transactions made in person at a bank

Quick tips on avoiding Reg D fees/violations

  • Make transfers count; do fewer transfers with larger sums of money
  • Link any automatic transfers, such as bill payments, to your checking account instead of savings
  • If you hit the transaction limit and need to make another transfer or withdrawal from your savings account, do it at an ATM or bank.  Even if the bank charges a fee, you won't risk your account being closed.
  • If your checking account has overdraft protection linked to a savings account try to avoid overdrafts.  Set up low-balance alerts on your checking account.

At Union Bank, we notify our customers by letter each time the violate the regulation in hopes they will explore other ways to avoid going over the transaction restriction but if this is not done our only option is to restrict the transfers and/or close the acct.

For more information regarding Regulation D, please click HERE to view a document from the Federal Reserve regarding this regulation. The information as it relates to Savings accounts begins on page 3.

Need More Help?

Contact a banker nearby

*To qualify for the promotion, you cannot be an owner on an existing Union Bank savings account. Eligible for ages 13 and under. A parent/guardian or grandparent must be a co-owner of the account. $5 minimum opening deposit required for this promotion. Account must be opened in person at a branch from 10/01/21 through 11/30/21. Union Bank will match up to $25 of your new Simply Savings Student account opening deposit. You will receive the matching deposit to your Simply Savings Student account within 10 days of opening your account. There is no minimum time or balance requirement to receive this bonus. Limit one per child and cannot be combined with other offers. Member FDIC

**Simply Savings Student Details: For ages 25 and younger. $25 opening deposit. Annual Percentage Yield (APY) accurate as of the effective date in the deposit account rates. Rate subject to change. Fees may reduce earnings. We will match up to $10 of your RoundUp deposits posted within 60 days of enrollment.