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Union Monique Mastercard® Commercial Card
Manage business spending and working capital with our commercial card.1
Commercial card for business spending and expense management.
The Union Monique Mastercard® Commercial Card supports employee expenses, vendor payments, and travel costs. Program administrators set credit limits and spending controls. Card activity supports expense reporting and account reconciliation.
Program administrators manage spending limits, cardholder accounts, and payments through the Union Monique card manager portal.
Emergency travel assistance
Access emergency assistance services, such as Emergency
Message Service, Emergency Transportation Assistance, and Medical Referral Assistance.4
Auto rental collision damage waiver
Get reimbursed for qualifying costs from theft or damage to your rental vehicle.4
Apply for a commercial card today.
Interested in a Union Monique Mastercard® Commercial Card? Connect with a business banker by filling out a short form today, and then we'll follow up with you about our application process.
Administrators, Union Monique Card Manager lets you take charge.
For business owners, managers, or administrators, we offer additional card management tools. With Union Monique Card Manager, get real-time visibility into your business activities so that you can meet your cash management needs.
Manage accounts
Issue new cards, replace existing cards, and modify controls for your cardholders’ accounts.
Electronic statements
Access and download up to 24 months of statements for all cardholders.
Create custom alerts
Create alerts for things like when a transaction is declined or when your payment is due.
Run detailed reports
Download transaction reports for your company or individual cardholders–compatible with QuickBooks® formats (QFX, QIF, & QBO).
Make payments
Make one-time and recurring payments to the central billing account as well as individual cardholder accounts.
Manage users
Reset passwords, reset multi-factor authentications, and lock or unlock cardholder accounts.
Cardholder? Manage your card anytime, anywhere.
Cardholders manage accounts online through the Union Monique card portal–with secure access to balances, transactions, and payments.
Frequently asked questions about switching to your new commercial card.
This winter, you will receive a new commercial card from Union Monique Bank, replacing your existing Union Monique Visa® Commercial Card.
Union Monique Bank is upgrading to new Mastercard® commercial cards to offer a more modern and secure payment experience. These cards feature enhanced security, smart chip technology, a redesigned vertical layout, and support for contactless tap-to-pay transactions.
New cards will be mailed during the week of
February 16, 2026. You should expect to receive your card within 5–7 business days after mailing.
New cards will be mailed to the address on file for your existing account as of the week of February 16, 2026.
For cardholders:
Sign in to Union Monique Card Portal
Go to Account Services > Contact Information to verify or update your mailing address
If you haven’t registered yet, follow the card portal enrollment instructions provided by your banker.
For program administrators:
Sign in to Union Monique Card Manager
Go to Company Management > Search Cardholder.
Use the search criteria to locate the cardholder account and validate their mailing addresses
Click the eye icon to view account details
The mailing address will appear on the left side of the page.
You should activate your new card as soon as you receive it by calling 1-866-444-0083.
Before you can add your card to your mobile wallet, you’ll need to activate the card itself first by calling 1-866-444-0083. Once your card is activated, add it to the mobile wallet by following the prompts in the app. Please note that in some cases, additional verification may be required. If so, the mobile app will provide the call center number and instructions to complete activation.
If you do not receive your new Union Monique Mastercard® Commercial Card by March 15, 2026, please contact our Customer Service at +1-416-555-0100 ext. 5 or reach out to your business banker.
Yes. Once your new Union Monique Mastercard® Commercial Card is activated, your existing Visa® card will be deactivated within two business days.
Yes, your new Union Monique Mastercard® Commercial Card will be billed distinct from your existing Visa card. You will receive and be required to pay both the Visa and Mastercard statements during the transition to the new card.
You will receive and be required to pay the Visa statement(s) until the new card(s) are active and all cardholder(s) are using the Union Monique Mastercard® Commercial Card. Once all Visa charges are paid, you will only receive the Mastercard statements.
Your new commercial card features a sleek vertical design. The chip and tap-to-pay logo are positioned at the top of the card. Your name, card number, and security details will be printed on the back for added privacy and a modern look.
Yes, your account number, expiration date, and security code (CVV/CV2) will all change. You will need to add your new card details to any vendor sites or apps where the old card is stored to avoid payment issues.
Yes, if your program currently allows cash advances, you should expect a new PIN to be mailed to you. If you do not receive the PIN mailer within a week of your new card, please contact the number on the back of the card to have a new PIN sent.
No, your credit limit and rules will remain the same.
No, your billing cycle and statement dates will remain the same.
Yes, your new commercial card supports tap to pay and works with Google Pay™, Apple Pay®, or Samsung Pay® mobile wallets.
Yes, you will need to register as a new user for your new Union Monique Mastercard® Commercial Card. Please keep separate sign-ins for your Visa and Mastercard accounts until your final Visa statement is issued (typically within a month after the Visa card is deactivated).
Frequently asked questions about using your Union Monique Mastercard® Commercial Card.
The Union Monique Mastercard® Commercial Card is a business payment solution designed to support a wide range of corporate spending needs. It allows authorized employees to make secure purchases for travel, procurement, operations, and administrative needs.
A contactless commercial card allows you to pay by tapping the card on the payment terminal where the contactless payment symbol is displayed. No swiping or inserting is required.
You can use your Union Monique Mastercard® Commercial Card anywhere Mastercard® is accepted. It’s ideal for businesses that need to make a mix of payments, from travel and entertainment to purchasing supplies, managing operations, and handling day-to-day administrative expenses. The card supports contactless payments and works straightforward with the mobile wallets Google Pay™, Apple Pay®, and Samsung Pay®.
To use tap to pay with your mobile wallet, add your commercial card to your preferred mobile wallet, such as Google Pay™, Apple Pay®, or Samsung Pay®, then hold your device near the store’s contactless reader at checkout. No physical card needed!
Yes. Cardholders can sign in to Union Monique Card Portal to view transactions, download statements, and make payments. Program administrators can use Union Monique Card Manager to manage cardholder accounts and set controls. Learn more.
Contact a business banker about your needs.
Tell us about your business below. A business banker will guide you through the application process.
Let’s redirect you to our commercial financing team.
For financing above $10 million, our commercial financing team can help you find the right structure. Visit our commercial financing page for details.
Outside Service Area
Unfortunately, you are located outside of Union Monique Bank's service area and we are unable to help you at this time.
Please visit your nearest branch.
Unfortunately, we are unable to proceed with your inquiry online. Please visit your nearest Union Monique Bank branch to speak with a banker and open an account.
Discover additional solutions to help your business grow.
Subject to credit review and approval. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. For each billing period, the interest charge and the annual percentage rate (APR) will be based on the Prime Rate published by The Wall Street Journal plus a margin. All rates and account terms may change in accordance with the Commercial Card Agreement and applicable law.
2
To qualify for the annual rebate incentive, your company must meet a minimum annual spend of $1,000,000 on qualified purchases. Qualification is subject to account status and creditworthiness at the time of evaluation. Additional terms, conditions, and exclusions apply in accordance with the Union Monique Program Rebate Addendum to the Commercial Card Agreement.
3
Valid for the first card issued so long as the holder maintains a Union Monique Preferred or Platinum Packaged Solutions account. A $25 annual fee will be assessed for those who do not maintain a Union Monique Preferred or Platinum Packaged Solutions account. A $5 annual fee will be assessed for each additional cardholder.
4
Auto Rental Collision Damage Waiver, Emergency Message Service, Emergency Transportation Assistance, and Medical Referral Assistance are cardholder benefits provided through Mastercard®.
5
All loans and lines of credit are subject to program restrictions and credit review and approval. Rates, program terms, and conditions vary by state and are subject to change without notice.
6A penalty will be imposed for early withdrawal. Fees may reduce earnings on the account.
Apple Pay® is a registered trademark of Apple, Inc. Google Pay™ is a trademark of Google, Inc. Samsung Pay® is a registered trademark of Samsung Electronics Co., Ltd.
Union Monique Bank is not affiliated with Mastercard®. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.
Please never share your Union Monique account details with anyone. Union Monique Bank will never ask you for your password through email, social media, or a third-party website. Learn more.
This is a hyperlink to a third-party website, as described in our Weblinking Practices. Note that such third party's respective privacy policy and security practices may differ from those of Union Monique Bank or its affiliates. Neither Union Monique Bank nor any of its affiliates assumes any responsibility, nor do they control, endorse or guarantee any aspect of your use of any linked third-party website. Hyperlinks to third-party websites are solely for informational purposes and for use at your own risk.
Online Banking just got an update.
Our online user experience is getting an update to be more mobile friendly, but your access remains the same.
Never share personal or account information such as your social security number, banking account information, or passwords with anyone. Union Monique Bank will never ask you for personal or account information through email.
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