What you need to bring to UnionBank
UnionBank requires two forms of identification to open a savings account. One must be a government-issued photo ID — a driver's license, passport, or national ID card. The second can be another government ID or a utility bill, lease agreement, or bank statement showing your current address.
You'll also need to bring money to fund the account. UnionBank's minimum opening deposit varies by account type and changes over time, so call your local branch or visit their website before you go in. Bring more than the minimum if you can — it gives you a buffer and shows the bank you're serious about saving.
If you're opening an account for a minor, bring the child's birth certificate and the parent or guardian's ID and proof of address. Some UnionBank branches have specific requirements for accounts held by people under 18, so confirm with your branch first.
Key Takeaways
- You need a government photo ID and a second form of ID showing your address, plus money for the opening deposit.
- UnionBank has different savings account types with different features and minimum deposits — ask which one fits your goals.
- You can open an account in person at any UnionBank branch during business hours, or online if UnionBank offers that option in your area.
- The account opens when ready in most cases, and you can start depositing and withdrawing money the same day.
- Keep your account agreement and the receipt showing your opening deposit — you'll need them if questions come up later.
Steps to open the account in person
Walk into any UnionBank branch with your documents and opening deposit. Tell the teller or the person at the desk that you want to open a savings account. They will ask you which type of savings account you want — UnionBank usually offers more than one, such as a basic savings account or a high-yield savings account. Ask them to explain the differences, especially the interest rate and any monthly fees.
The bank representative will fill out an account process with you. They'll ask for your full legal name, date of birth, Social Security number or tax ID, current address, phone number, and employment information. Answer honestly and completely — banks verify this information, and mistakes can delay your account opening or cause problems later.
Once the process is complete, you'll sign it and provide your opening deposit. The bank will give you a receipt and information about your new account, including your account number. Some branches issue a debit card on the spot; others mail it to you within one to two weeks. Ask before you leave so you know when to expect it.
Opening an account online if that option is available
Some UnionBank locations allow you to start the account opening process online, though you may still need to visit a branch to verify your identity and deposit money. Check UnionBank's website or call your local branch to see whether online account opening is available in your area.
If online opening is available, you'll enter your personal information on UnionBank's website, choose your account type, and review the terms. You'll then be asked to verify your identity — this might mean uploading a photo of your ID, answering security questions, or scheduling a video call with a bank representative. After verification, you'll either mail in your opening deposit or arrange to deposit it at a branch.
Online account opening usually takes longer than in-person opening because of the verification step. Plan for several business days from start to finish, and don't assume your account is active until UnionBank sends you confirmation.
What happens after you open the account
Your account is usually active the same day you open it in person, though it can take one to two business days if you opened it online. You can start depositing money right away through direct deposit, mobile deposit (if UnionBank offers it), or by visiting a branch. You can also withdraw money at any UnionBank ATM or branch.
UnionBank will send you a welcome packet in the mail with your account agreement, fee schedule, and information about online banking and mobile banking. Read the account agreement so you understand the rules — especially any monthly fees, minimum balance requirements, and how much interest you'll earn. If something is unclear, call the number on the welcome packet and ask.
Set up online banking and mobile banking as soon as you can. This lets you check your balance, transfer money, and set up alerts without visiting a branch. UnionBank's website or app will walk you through the setup process.
Understanding UnionBank's savings account types
UnionBank typically offers more than one savings account option, and they have different features. A basic savings account usually has a low or no minimum balance, earns a small amount of interest, and may have a monthly fee if your balance drops below a certain amount. A high-yield savings account usually requires a higher minimum balance but pays more interest.
Ask the bank representative which account type makes sense for you. If you're saving for an emergency fund and plan to add money gradually, a basic account might be better. If you have a larger amount to deposit and want to earn more interest, a high-yield account might be worth it. The representative can show you the interest rate and fees for each type so you can decide.
Interest rates and fees change, so check your account agreement and ask about any changes when you visit the branch. UnionBank will also notify you by mail or email if they change the terms of your account.
Fees and rules to know before you open
Most UnionBank savings accounts charge a monthly maintenance fee if your balance falls below a certain amount — often $500 or $1,000, though this varies. Some accounts waive the fee if you set up direct deposit or keep a higher balance. Ask the representative what the fee is and how to avoid it.
UnionBank limits how many times you can withdraw money from a savings account per month — usually six times, though this rule varies by account type and changes based on federal regulations. Deposits are unlimited. If you need to withdraw money more often, ask about a checking account instead, which usually has unlimited withdrawals.
You'll also need to follow UnionBank's rules about inactive accounts. If you don't use your account for a long time — usually one to three years depending on the account type — the bank may charge a fee or close the account. Check your account agreement for the specific rules.
What to do if you have questions after opening
UnionBank customer service can answer questions about your account by phone, email, or in person at a branch. The phone number and email address are on your welcome packet and on UnionBank's website. Have your account number ready when you call.
If you notice a mistake on your account — a wrong balance, a deposit that didn't show up, or a fee you don't understand — contact the bank right away. Banks have rules about how long they have to investigate, so the sooner you report it, the sooner they can help.
Frequently Asked Questions
Can I open a UnionBank savings account if I don't have a Social Security number?
UnionBank requires a tax ID to open an account. If you don't have a Social Security number, you may be able to use an Individual Taxpayer Identification Number (ITIN). Call your local UnionBank branch to ask whether they accept ITINs and what documents you'll need to bring.
How long does it take to open a UnionBank savings account?
In-person account opening usually takes 15 to 30 minutes. Online account opening takes longer because of identity verification — usually one to three business days. Your account is active once the bank confirms it, and you can start using it right away.
What's the difference between a savings account and a checking account at UnionBank?
A savings account is meant for money you're keeping, and it earns interest but limits withdrawals. A checking account is meant for everyday spending, has unlimited withdrawals, and usually doesn't earn interest. Many people have both — a checking account for bills and daily expenses, and a savings account for emergencies or goals.
Can I open a joint savings account with someone else?
Yes. Both people will need to bring ID and proof of address, and both will need to sign the account agreement. Ask UnionBank about the rules for joint accounts — specifically, what happens if one person wants to close the account or withdraw money without the other person's permission.
What should I do if I lose my debit card?
Call UnionBank when ready using the number on the back of your card or on your welcome packet. The bank will cancel the card and mail you a replacement, usually within one to two weeks. You can still access your money through online banking, mobile banking, or by visiting a branch while you wait for the new card.