Union Bank offers a wide variety of consumer checking and savings accounts. We have basic, low cost "no frills" accounts, and we have "value added" accounts that offer a number of valuable extra features. We have accounts for savers-big, small and in between. We're sure you will find an account that suits your needs.

Our most popular checking accounts are our "Hometown Checking" accounts. They offer a number of valuable extra features, pay interest, and have bonus features for our friends who are age 50 or more.

Interest Bearing Accounts (N.O.W)

• Hometown Checking Account
• Hometown Checking PLUS
• Hometown Checking 50 Account
• Hometown Checking 50 Account PLUS

• Money Market Deposit Accounts
• Money Market Deposit Account PLUS
• Business Money Market Deposit Account

Saving Accounts

• Statement Savings Account
• Christmas Club Account

Other Accounts

• Regular Checking Account
• Regular Business Account
• Hometown Access Account

Please refer to our Fee Schedule for further information on the accounts listed above.

CERTIFICATES & IRA’S

Whether you're saving for retirement or another purpose, Union Bank offers a wide array of Certificates of Deposit (CD's) and Individual Retirement Accounts (IRA's), with a variety of rates and terms. See our Rates for current terms and rates offered. Choose to receive your interest by check monthly or quarterly, to have the interest direct deposited to your Union Bank checking or savings account or the interest may be compounded and credited back to the certificate of deposit.

If you're wondering about IRA options, stop in and see one of our IRA experts. We can help you start saving for your retirement.

Traditional IRA’s

Start planning for your future by opening an IRA account at Union Bank. Individual Retirement Accounts (IRA’s) may provide you with a better financial situation after retirement. Your IRA contributions may or may not be deductible depending on your (and/or your spouse's) participation in an employer-sponsored retirement plan.

Roth IRA’s

A Roth IRA is an Individual Retirement Account that provides tax-free growth. It has a tax structure unlike that of any other IRA: contributions are post-tax, but growth is tax-free; once you put your money in, you never pay taxes again. There is no age limit for Roth accounts. Whereas traditional IRA contributions are barred for individuals older than 70½, you can be any age and still contribute to a Roth IRA. Also, you can leave money in your Roth for as long as you live. Some advantages of contributing to a Roth IRA are:

• It's more flexible: since you have already paid taxes up front, there are no minimum distribution requirements.
• Since withdrawals are not reportable income, they won't affect your adjusted gross income during retirement.

DELUXE CHECK ORDERING

A wide variety of designs and products are available for purchase from Deluxe.

• Order checks at any branch office
• Re-order online