Your checking account should do more than just manage your money.
At Union Monique Bank, we believe your checking account should support your goals and simplify your life. Whether you want straightforward access, everyday convenience, or premium perks, our personal checking accounts are designed to meet you where you are in your financial journey.1 With every account, enjoy direct deposit, convenient online and mobile banking tools,2 and a debit card with surcharge-free access to thousands of ATMs worldwide.3
A flexible checking account for busy workers managing paychecks and daily expenses.
Manage your money and pay bills.
$10 or $0 monthly service fees.Avoid $10 monthly service fee by maintaining $1,000 in average monthly balances5 or by setting up a recurring monthly direct deposit of $750.6
Overdraft coverage and protection available. Subject to fees.4
1Account features and eligibility requirements vary by account type. See account details for full terms.
2Online and mobile banking require enrollment. Data and messaging rates may apply from your carrier.
3Union Monique Bank does not charge a surcharge at in-network ATMs listed in our Branch and ATM Locator. Out-of-network operators may charge their own fees.
4Overdraft fees may apply when the bank pays a transaction that overdraws your account. See the Schedule of Fees for details.
5The average monthly balance is the sum of the daily end-of-day balance, after all debits and credits, divided by the number of days in the statement cycle.
6Recurring direct deposit must total the stated minimum amount per month to qualify for the monthly service fee waiver.
7Availability of in-network ATMs may vary by location.
8Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
9CD rates and APYs are subject to change. Early withdrawal penalties may apply.
Important information about procedures for opening a new account. To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver’s license or other identifying information.
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.
Details: Union Monique Essential Checking
Union Monique Essential Checking is a good option for you if you’re looking for a low-fee, basic checking account for daily transactions.
$25 minimum to open
Bank On-certified account
Monthly service fee of $3 can be avoided by setting up a recurring monthly direct deposit of $2506
Withdraw funds surcharge-free at Union Monique Bank and in-network ATMs7,8
Overdrafts will result in declined transactions and no fees will be charged
Enroll in electronic statements to avoid the $2 paper statement fee
Union Monique Signature Checking is ideal if you maintain a higher balance and want to earn interest on your checking account.
$25 minimum to open
Monthly service fee of $12 can be avoided by maintaining $2,000 in average monthly balances5
No fees for incoming wire transfers, stop payments, or ATM transactions worldwide7,8
Fee rebates include two outgoing domestic wire fees per month, two overdraft fees per month, one standard order of checks per year, and up to $15 per month for ATM fees assessed by other entities.
Overdraft fee of $34 when an overdraft transaction is paid; no fees for overdrafts up to $50 or declined transactions4
Overdraft protection coverage available
Enroll in electronic statements to avoid the $2 paper statement fee
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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