Banking FAQs | Union Bank | Online Banking, Loans, Cards & Deposits Skip to Content
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FAQs

General FAQs

The routing number for Union Bank is 053174048

Your bank account number is the second set of numbers located at the bottom of your checks. Your account number can also be found through online banking or the mobile app under account details.

Address changes can be made through online banking or the mobile app under settings. You can also visit your local branch in person or call to request the change.

The current balance is the total amount of money in the account before any pending transactions. Your available balance is your current balance minus any holds, debits, or added credits that have not yet been posted to your account.

Note: Any Bounce Protection limit that may be available on your account is not included in your current or available balance shown through digital banking. However, any available Bounce Protection limits will be accessible for bill payments, checks and withdrawals. If you have opted in to having these funds available for one-time point of sale and ATM withdrawals, your available Bounce Protection funds will be accessible for those transactions as well.

An appointment can be scheduled online on our Union Bank website by selecting “Schedule an Appointment.” You can also contact your local branch directly to request an appointment. A list of all Union Bank locations can be found on our website under locations.

Yes. To sign up for banking alerts, sign into your Union Bank digital banking account and select “Settings” and then select “Union Bank” under Accounts. Select the account on which you want to receive alerts. There are three categories of alerts you can set up: Balance, Transaction, and Card Management. User alerts can also be established by selecting “User Alerts” under Settings

If you need more information to determine if the transaction is fraudulent, you can either use the “Message” feature to start a conversation with a member of our support team, or contact an Advisor at your local branch for assistance by phone. If the transaction is in fact fraud/unauthorized, you can call or visit your local branch to complete a Debit Card Dispute.

To open a business bank account, visit your nearest branch location or call to get the process started. A list of all Union Bank locations can be found on our website on the “Locations” page. You can also Schedule an Appointment using our Scheduling App found on the main page of our website.

To open a personal bank account, visit your nearest branch location or call to get the process started. A list of all Union Bank locations can be found on our website on the “Locations” page. You can also Schedule an Appointment using our Scheduling App found on the main page of our website.

Direct deposit can be set up by providing your Union Bank routing and account number to the organization that will be paying you. A copy of a voided check displaying your account information may be required. Union Bank also provides a Switch Kit to help assist with setting up your direct deposit by making the transition as smooth as possible. These forms can be found in a downloadable PDF on our Union Bank website on the Applications & Forms Page.

Union Bank offers a wide variety of account types in which fees may apply if certain conditions are not met. A copy of the fee schedules for personal and business accounts can be located on our website under Rates & Fees.

The daily transfer limit for an external bank transfer is $1,500.00. There is not a limit for internal transfers between two Union Bank accounts.

A CD, or Certificate of Deposit, is a type of savings account that pays a fixed interest rate on money deposited. Customers select a term for the CD, such as 12 months. Withdrawals prior to the maturity date of the CD term can result in an early withdrawal penalty. As interest is earned each month, the customer determines if they want the interest to be added back to the balance of the CD, deposited to another Union Bank account, or remitted to the customer by check each month.

An IRA, or Individual Retirement Account, is a savings account that pays a fixed interest rate on money deposited. An IRA offers tax advantages that individuals can save and invest long-term. There are several types of IRAs. Customers are encouraged to seek advice from their tax advisor regarding the type of IRA that is best for their financial situation. Union Bank offers traditional IRAs, ROTH IRAs, SEP IRAs, and SIMPLE IRAs. More information on the various types of IRAs can be found on the IRS website at www.irs.gov.

Union Bank offers checks through Deluxe. Customers can reorder checks on their own using the online reordering system found on our website on the Check Reorder Page, or by calling Deluxe 866-838-5301. Checks can also be ordered by visiting or calling your local branch. A listing of branch locations can be found on the Locations Page of our website.

You will need to provide them with Union Bank’s incoming wire instructions along with your name, account number, and physical address. For security purposes, please call or visit your local branch to obtain incoming wire instructions.

Credit Cards partners with Card Assets* to offer a trusted source for all your personal and business credit card needs. For more information and to apply for a credit card, visit the Credit Cards Page on the Union Bank website. You can also visit your local branch to apply in person.

* Credit Cards are not issued by Union Bank, nor is Union Bank involved in the approval process. Questions about your credit card application or status of your card should be directed to Card Assets at 800-854-7642.

Debit Cards

You can call or visit your local branch to report your card lost or stolen, or you can sign into your digital banking account to report the card lost or stolen under the “Card Management” tab. Once under “Card Management,” select Report lost/stolen. You can also call our 24/7 telephone banking line at 1-877-354-8853. Select option “4” for Card Services and then option “2” to report your card lost or stolen.

Yes. Your local branch can add a travel note to ensure that issues don’t arise during your travel period.

To increase your debit card limit, call or visit your local branch for assistance.

MyCardRules is a feature that is available to all digital banking users that allows you to control and manage your Union Bank debit card. You get complete control of how, when, where, and who uses your card. Alerts and protections for your Union Bank debit card can be added under the Card Management feature. Refer to the MyCardRules page of our website for more information.

A new card will automatically be ordered for you. You should receive your new card before your existing card expires. Cards are good through the last calendar day of the expiration month shown on your card. So, if your card has an expiration date of 12/XX, your card would not expire until December 31st of the given expiration year.

Due to security reasons, the debit card and pin number are not mailed together. The pin number will arrive a few days after you receive your debit card.

No. You can change your pin number by calling our telephone banking line at 1-877-354-8853. Choose option “4” for Card Services, then option “3” to change your PIN number.

You can change your pin number by calling our telephone banking line at 1-877-354-8853. Choose option “4” for card services, then option “3” to change your PIN number. You can also change your PIN at any Union Bank ATM.

Online Banking

To sign up for online banking, simply visit or call one of our Union Bank branches to be assigned a online banking ID and password.

To sign on to online banking, simply visit www.unionbanknc.com and enter in your online banking ID and password. If this is your first time signing in, you will need to select a new password. Next, you will need to retrieve a two-factor authentication code that can be accessed via phone call, text message, or the Authy App

Yes. As an added layer of protection, our digital platform offers two-factor authentication. With two-factor authentication, you need to pass another layer of authentication, not just a username and password, to get into your account.

To change your online banking password, simply click on “Settings,” go to “Security,” and click on “Edit.”

Our new platform no longer offers the watermark image. This has been replaced with Two-Factor Authentication where you either receive a code by text, phone call or through the Authy App, or you set up your mobile banking account to allow fingerprint recognition for an added layer of security when accessing your digital banking account.

Our new platform no longer offers the watermark image. This has been replaced with Two-Factor Authentication where you either receive a code by text, phone call or through the Authy App, or you set up your mobile banking account to allow fingerprint recognition for an added layer of security when accessing your digital banking account.

All Union Bank accounts are eligible for online banking access. Call or visit your local branch to get signed up.

Money can be transferred by clicking on the “Transfers” tab, then select “Make a Transfer” and choose the accounts in which you will be transferring money.

Yes. Online banking statements can be accessed by clicking on “Documents.” Here you will be able to access statements for up to 18 months.

This will vary depending on the account type in which you select. Consumer deposit and money market statements will drop on the 10th of each month. Consumer statement savings statements are generated quarterly on the last day of each calendar quarter. Commercial deposit and money market statements will drop on the last day of the month.

Customers who wish to receive their statements as early as possible should consider signing up for e-Statements. There is no additional charge for e-Statements and you can receive your statement via email, or access it through your digital banking account the next day after statements drop. E-Statements provide added security and convenience without worrying about your statements being lost in the mail or when they will arrive.

You can send a support message via online banking or the mobile app using the “Messages” tab. Our electronic banking customer support line is also available at 866-638-0552. The support hours are 8:00 am – 5:00 pm Mon-Fri. Our customer call center is available for after-hours support at 866-638-0552 as follows:

  • Mon - Fri: 5:00 pm – 11:00 pm
  • Sat - Sun: 9:00 am – 5:00 pm
  • Federal Holidays, excluding Christmas Day and Thanksgiving Day: 9:00 am – 5:00 pm

As always, our local branches are also available to assist you with any online and mobile banking support.

You can contact our Bill Pay Support Center directly at 844-359-3583 between the hours of 8:00 am to 2:00 am EST, or use the chat feature that is available within the “Bill Pay” tab within your digital banking account from 7:30 am to 2:00 am EST. Simply click the “Chat Now” icon to initiate a chat.

Any new account will need to be added to your digital banking profile by calling or visiting your local branch. If the account has been added, make sure that the account has been selected to display in your digital banking account. The “Display” Option can be found under “Settings” within your digital banking account.

You will need to download the Union Bank NC Mobile Banking app. Additional guidance on how to get started can be found on the Mobile Banking Page of our website.

Yes. Simply click “Forgot Password” and enter your username and email address associated with your account. As an added layer of protection, you will be asked to verify your two-factor authentication code that can be sent via text message, phone call, or the Authy App. Once you verify the code, create a new password.

To cancel mobile banking call or visit your local branch to remove your online access.

Person-to-person payments, or P2P payments, are ACH transactions that allow the transfer of funds between you and another individual using your Union Bank NC mobile banking app or online banking. Simply click on “Payments,” add a payee, select person, then select Email. You will enter the name, phone number, email address, and a shared keyword. You will share this keyword with the payee.

Payments are sent next day or second business day with tracking to a payee. A fee of $19.95 is charged for next day and $14.95 for 2nd Day. Payments must be scheduled before 3PM.

Mobile Banking Remote Deposit

Once you have downloaded the mobile app, click on “Deposit Checks,” and click “Enroll”. Approval may take up to 48 hours. You can also call or visit your local branch to request enrollment.

Click on “Deposit Checks,” then click on “Deposit a Check.” Enter the check amount and click continue. Capture a picture of the front and back of the check. At this point, review the information and make sure that you selected the correct account into which the check is to be deposited. Once complete, click “Submit.”

You can call or visit your local branch to request an increase for consideration by branch administration.

The cutoff time for making a mobile deposit is 7:00 pm EST Monday through Friday.

It could take up to 48 business hours to get approved for RDA. We will communicate with you on any requests that have been denied or that may take longer for consideration.

Commercial Remote Deposit

To register for remote deposit, call or visit your local branch. A Union Bank Advisor will assist with gathering the information needed to get the process started.

You can call or visit your local branch to request an increase. Requests can also be made using the “Messages” tab within your digital banking account. For urgent requests, it is best to contact your local branch by phone.

The cutoff time for making a mobile deposit is 7:00 pm EST Monday through Friday.

Cash Management Services

Union Bank offers the following Cash Management Services to our business customers:

  • ACH Origination
  • Wire Origination,
  • Commercial Remote Deposit
  • Positive Pay

To register for Cash Management services, you can call or visit your local branch. A Union Bank Advisor will discuss the services available, provide you with pricing, and assist you in gathering the information needed to get signed up and started using these services.

You can call or visit your local branch. You can also contact support via email at support@unionbanknc.com or call the customer support line at 866-638-0552.

Loans

You can call or visit one of our Union Bank Lending Specialists at your local branch to get the process started. You can also Schedule an Appointment using our Scheduling App found on the main page of our website.

You can call or visit one of our Union Bank Lending Specialists at your local branch to get the process started. You can also Schedule an Appointment using our Scheduling App found on the main page of our website.

Generally, the minimum loan amount shall be at least $5,000.00. Contact your local branch to speak to one of our Union Bank Lending Specialists to discuss your financial needs and products we may offer to assist in meeting your financial goals.

No, Union Bank does not offer payday loans.

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