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400 California Street
San Francisco, CA 94104

Union Bank of California is a commercial bank that offers personal, commercial, institutional, and private banking products and services, along with loans and lines of credit to individuals and businesses. The bank’s holding company, UnionBanCal is publicly traded on the New York Stock Exchange (Symbol:UB).

On its personal banking side, Union Bank offers multiple savings and checking accounts designed to help consumers manage and save money. Savings account offerings have monthly service charges unless certain requirements are met and are available as a basic option and a higher interest option. The higher interest savings account requires a large initial deposit and daily account balance. Money market accounts have a monthly fee and require a higher initial deposit than savings accounts, but typically offer higher interest rates in returen. Checking accounts offer features like bill pay, traveler’s checks, and debit cards, but can get expensive depending on the type of account and number of features added. The most basic checking account comes with a free savings account, discounted non-Union Bank ATM fees, and an unlimited supply of checks. Certificates of Deposit (CDs) offer fixed interest rates on term lengths from 7 days to 5 years. The bank also has a professional wealth management group to help institutional and individual investors make decisions about fixed income products like mutual funds and annuities.

Union Bank online banking provides customers with a web-based platform on which they can access their accounts to perform various activities like online bill pay, funds transfer, check image viewing, and account alert monitoring. The bank has also optimized its website for mobile banking and released mobile banking apps to make accessing deposit accounts easy from a smartphone or tablet device.

Union Bank was originally established in 1979 as the Bank of Palm Springs before finally changing to its current name in 2008. The bank is a subsidiary of UnionBanCal Corporation, which is a bank holding company that formed out of the merger between The Bank of California and Union Bank in the late 1990’s. UnionBanCal is itself a subsidiary of the Mitsubishi UFJ Financial Group, which is one of the largest financial organizations in the world. Union Bank is currently headquartered in San Francisco, California, and serves its customers through numerous branches located across several states.

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I have been a long standing customer of Union Bank.  I own my own buisness and also have a business account with Union Bank.  I had a car break in and my purse was stollen.  I called union bank right away and informed them of the theft.  They were to freeze my account in order to protect my funds.  The next day I went into the bank to trasfer my funds and was informed that I had 44.00 in my account.  3 different drive up tellers at 3 different Union Banks let these thiewves withdrawl 6500.00 of my hard earned money.  The lady on the phone I spoke to did not do her job and left my account wide open.  It has been 6 days and I still have not been given back my money and have no idea when their investigation will conclude.  I have been trated like the criminal.  Be aware your money is not safe with this kind of careless employees.

RE: Cancelling Our Business Checking With Them After 10 Years And Millions Of Dollars Go Thru The Account

Union Bank refused to help me in resolving my issue with their Businss Visa issuing Bank, First BankCard.  We've had the card for five years, have never had a problem till now.  As a result, I am cancelling my account with them.  We've been with them for ten years.  We deposit about a million a year with them.  It feels good to leave them for they don't deserve our business.


 First Bankcard, violated my "charge back right" due to their mistakes in the investigation process.
The total amount of $3800 charge back was credit to my visa card on 08/24 based on my supporting document (50 pages)  However, when the merchant contested, he didn't even need to submit ANY supporting documents to back up his claims, my bank decided to charge me $3800.  this amount was the last payment for a web design project.  The vendor was incompetent to complete the project.  After five missed launched date, three month delay, and  major errors and bugs that he was not able to fix, we gave up.  We have all the documents to prove my claim.  What stunned me is that First BankCard did not ask the merchant to submit his claim (that he delivered a functional site to prove that he has run real test orders on the site, or he's fixed bugs and errors we pointed on 7/5/11, when he claimed the site was ready on 7/2/11.  When is even shocking is that First Bank Card told me I still don't have the proper documentation after submitting all they've asked me for the case, however, the merchant didn't have to prove his claim with one single documents. 

Skip This Bank

They're difficult to deal with if there's an issue with your account. Slow response and poor communication between departments.

HORRIBLE!! I Was A Victim Of Crime

I had my car broken into on November 11th 2011 in the LA Fitness parking lot and my CC was charged 4 different transactions at Target within an hour. Number one... they told me it would take a month to clear up the fraud and place my money back into the account.... EVEN WITH MY FREAKIN POLICE REPORT. I gave them everything that i could to show them that i was a victim here and that i deserve to have my money gone due to some criminals. Why am i punished for someone elses crimes!!!??? I spent hours on the phone with the bank to make sure that they put the loan in so that i don't have all my checks for bills bouncing. I def thought they did a good job by working hard to get things back to normal for me. BUT THEN... i see that the bank took out one of the charges in Feb 2012 that had been taken from my account back in November. When i called in regards to this matter and asked what was going on and why the bank took out $217.44 from my account, they told me that the $217.44 was found to be authorized by me. WOW!!! Really??? this bank is a joke. Basically what they are saying is that while i was at the gym... and people that completely violated my earnings were swiping my card freely ... i somehow authorized one transaction. My police report was fully detailed... the money from my car window getting smashed in is something that I had to pay for out of my pocket. Why am i getting punished for someone elses crime??? A Bank is to protect your money ... not be stupid about what they are doing and start playing around with your account. Now im on hold and have been for the last hour trying to get this corrected. Im extremely upset ... and am deffinitly going to be switching banks in the near future... i wouldn't recommend this bank to anyone. They are HORRIBLE



Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Union Bank (San Francisco, CA) had $578.8 million in non-current loans and owned real-estate with $14.62 billion in equity and loan loss allowances on hand to cover it. This gives Union Bank (San Francisco, CA) a Texas Ratio of 3.96% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Union Bank (San Francisco, CA) decreased slightly from 5.16% as of December 31, 2012 to 3.96% as of December 31, 2013, resulting in a positive change of 23.30%.This indicates that the balance sheet and financial strength for Union Bank (San Francisco, CA) has improved slightly in recent periods.

Deposit Growth


In the past year, Union Bank (San Francisco, CA) has increased its total deposits by $5.31 billion, resulting in 7.07% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Union Bank (San Francisco, CA) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Union Bank (San Francisco, CA) has $105.29 billion in assets with $14.62 billion in equity, resulting in a capitalization level of 13.89%, which is excellent.

Institution Statistics

FDIC Certificate #22826
Year Established1979
Primary RegulatorOCC
Assets and Liabilities
Assets$105.29 billion
Loans$67.23 billion
Deposits$80.41 billion
Equity Capital$14.07 billion
Loan Loss Allowance$556.57 million
Unbacked Noncurrent Loans$550.57 million
Real Estate Owned$28.23 million
Historic Data - December 2012
Assets$96.32 billion
Equity Capital$11.88 billion
Loan Loss Allowance$638.64 million
Unbacked Noncurrent Loans$550.57 million
Real Estate Owned$44.90 million
Profit Margin - Quarterly
Net Interest Margin3.03%
Return on Assets0.62%
Return on Equity5.07%
Interest Income$3.11 billion

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Union Bank (San Francisco, CA) Savings Account Rates

0.15%$50k-Union Bank Preferred Savings
0.15%$25k-Retirement Income IRA
0.15%$25k-Retirement Income Roth IRA
0.15%$25k-Retirement Income CESA
0.01%--Regular Savings
0.01%--Kidz Savings
0.01%--Teen Savings

Union Bank (San Francisco, CA) Money Market Rates

0.15%$50k-MoneyMarket Account
0.15%$50k-High Rate MoneyMarket Account
0.15%$50k-IRA MoneyMarket Savings Account

Union Bank (San Francisco, CA) Checking Account Rates

0.01%--Tiered Interest Checking
0.01%--Signature Banking Tiered Interest Checking

Union Bank (San Francisco, CA) CD Rates

1.01%$350$100k60 Month CD
0.50%$350$100k48 - 59 Month CD
0.35%$350$100k36 - 47 Month CD
0.20%$350$100k18 - 23 Month CD
0.20%$350$100k24 - 35 Month CD
0.15%$350$100k12 - 17 Month CD
0.10%$350$100k180 - 364 Day CD
0.05%$350$100k32 - 89 Day CD
0.05%$350$100k90 - 179 Day CD
0.05%$2,500$100k7 - 31 Day CD

Union Bank (San Francisco, CA) IRA Rates

1.01%$350-60 - 120 Month IRA Time Deposit (Traditional,Roth,CESA)
0.50%$350-48 - 59 Month IRA Time Deposit (Traditional,Roth,CESA)
0.35%$350-36 - 47 Month IRA Time Deposit (Traditional,Roth,CESA)
0.20%$500-18 Month Variable Rate IRA Time Deposit (Traditional,Roth,CESA)
0.20%$350-18 - 23 Month IRA Time Deposit (Traditional,Roth,CESA)
0.20%$350-24 - 35 Month IRA Time Deposit (Traditional,Roth,CESA)
0.15%$350-12 - 17 Month IRA Time Deposit (Traditional,Roth,CESA)
0.10%$350-182 - 364 Day IRA Time Deposit (Traditional,Roth,CESA)
0.05%$350-90 - 181 Day IRA Time Deposit (Traditional,Roth,CESA)

Union Bank (San Francisco, CA) has 416 locations. Click to view all Union Bank (San Francisco, CA) locations.