Checking your Union Bank account balance is easy and can be done in a few different ways. Whether you want to check your balance online, on your mobile app, by phone, or at an ATM, Union Bank offers convenient options to view your most up-to-date account information.
Check Balance Online
The quickest way to check your Union Bank account balance is to log in to online banking. Here’s how:
- Go to www.unionbank.com and click on the “Login” link
- Enter your online banking username and password and click “Sign In”
- From your account dashboard, your available balance for each account will be displayed
In addition to viewing your current balance, you can see recent transactions, search transaction history, make transfers, pay bills and more.
Check Balance on Mobile App
The Union Bank mobile app is a convenient way to check your balance from your smartphone or tablet. Here’s how to view your balance using the app:
- Download the Union Bank mobile app from the App Store or Google Play Store
- Log in using your online banking username and password
- Your account balances will display on the app dashboard
- You can then tap any account to see additional details and transaction history
The Union Bank mobile app also allows you to remotely deposit checks, transfer funds, and handle other banking needs on the go.
Check Balance by Phone
You can use Union Bank’s automated telephone banking system to check your account balance with just a phone call. Here are the steps:
- Call Union Bank’s customer service at 1-800-238-4486
- When prompted, enter your account number
- Enter your personal identification number (PIN)
- Press 1 for account balances
- The system will read out your current balance
- Follow the prompts to check additional account balances
The automated phone system is available 24/7 so you can check your balance anytime. If you prefer to speak with a customer service representative, telephone banking agents are available from 7am-7pm Pacific Time Monday-Friday.
Check Balance at an ATM
You can quickly check your checking, savings, or credit card balance at any Union Bank ATM. Here’s how it works:
- Insert your Union Bank ATM/debit card
- Enter your PIN when prompted
- Select “Checking balance” or “Savings balance”
- Your account balance will display on the screen
- You can also print a paper receipt of your balance if needed
Union Bank has over 400 ATM locations in California, Oregon and Washington. Find a nearby ATM using the ATM locator on their website or mobile app.
Enable Account Alerts
For up-to-date balance information, consider enrolling in Union Bank’s convenient account alerts service. You can choose to receive alerts when:
- Your balance drops below a certain level
- A large check or transaction clears
- A recurring payment or deposit is made
- And more
Alerts can be sent via email, text message, or push notification on your mobile app. Log in to online or mobile banking to manage your alert preferences.
Monitor Transactions in Real Time
Union Bank offers real-time transaction monitoring so you can stay on top of account activity and balances. When enabled, transactions are displayed in your account shortly after completing so you’re always viewing the most current information.
To enable real-time transactions:
- Log in to Union Bank online banking
- Go to Services > Online Banking Settings
- Check the box next to Real-Time Transactions
- Click Submit
With real-time transactions, balances change dynamically as you track spending or deposits. It’s a great way to closely monitor account activity.
Avoid Overdrafts
Frequently checking your Union Bank account balance helps you avoid overdrafts by understanding your available funds at all times. Here are some tips to prevent overdrawing your account:
- Enroll in balance alerts as mentioned above
- Don’t forget about upcoming automatic payments that may impact your balance
- Transfer funds to cover shortfalls – you can easily do this in online or mobile banking
- Opt in to Union Bank’s overdraft services to allow transactions to go through for a fee if funds are low
- Consider linking to a savings account or line of credit for overdraft protection
Catching a low balance early gives you time to take action before any transactions are denied due to insufficient funds.
Access Balance History
Your current balance only tells part of the story. Union Bank makes it easy to view a history of your balance over time so you can track trends and fluctuations. Simply log in to online or mobile banking and you can see your balance each day over various date ranges.
Having access to historical balance information can help with budgeting, uncovering fraudulent activity, reconciling statements, and more. You may notice your balance drops lower each month around the same time bills are paid, for example. Or you can verify a questionable transaction against past balances on that day.
Use Multiple Accounts for Separate Needs
One way to better track balances is to open multiple Union Bank accounts for different purposes. For instance, you may want to have:
- A checking account for daily purchases
- A savings account for short-term goals
- A money market account for emergency savings
- CDs for longer-term savings goals
Keeping different accounts for unique needs makes it easier to monitor available funds for those purposes. Transferring money between Union Bank accounts is easy to do through online banking when you need to shift funds around.
Optimize Account Settings
Take full advantage of Union Bank’s online banking and mobile app features to make checking your balance quick and easy. Some tips:
- Set up custom names for your accounts
- Save your accounts as favorites
- Enable fingerprint or facial recognition login
- Make your account widgets visible on your app dashboard
- Add your accounts to Apple/Google Pay to check with a glance
Optimizing your digital banking settings helps you access your balances seamlessly in just seconds whenever you need an update throughout the day.
Link External Accounts
Union Bank gives you the option to link external accounts from other institutions to your online banking profile. Linking accounts provides a centralized place to manage and check balances from multiple sources. Just log in and navigate to Services > Add External Accounts to get started.
With external accounts linked, you can view balances side-by-side with your Union Bank accounts for better cashflow visibility. Keep in mind balances for external accounts may update less frequently.
Categorize Transactions
Union Bank offers the option to categorize your transactions (e.g. food, entertainment, transportation, etc.). Categorizing transactions helps provide a clearer breakdown of your spending habits and account balance trends.
You can manually categorize transactions as they happen or set up automatic rules. For example, all charges from your favorite coffee shop can automatically tag as “Food & Dining”. Enable transaction categorization in your online banking settings.
Set Savings Goals
Union Bank’s online banking and mobile app let you establish custom savings goals like vacations, gifts, or big purchases. You input the target savings amount and deadline, then monitor your goal progress along the way.
Visualizing your account balance growing steadily towards a certain goal can help motivate additional deposits. Savings goals also give specific balance benchmarks to work towards.
Conclusion
Union Bank offers many convenient and innovative ways to stay updated on your latest account balances. With tools like online banking, mobile apps, ATMs, phone banking, and real-time notifications, you can check your balance anywhere in just seconds. Keeping a close eye on balances helps you make wise spending decisions, prevent overdrafts, and manage your finances.
Some best practices include:
- Log in to online/mobile banking frequently
- Set up balance alerts
- Utilize Union Bank ATMs
- Categorize your transactions
- Open accounts for separate financial needs
- Check balances before large purchases
With real-time insight into your up-to-the-second account balance, you can take control of your money and gain peace of mind knowing exactly where you stand financially day to day.
