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Union Bank (San Francisco, CA)

Popular Accounts at this Bank

0.50%5-year CD60 Month CD
0.15%1-year CD12 - 17 Month CD
0.01%SavingsRegular Savings

Overview / Commentary
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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Excellent Service And Rates

Posted by: Anonymous | May 16, 2012

Although we are a small business, we have been with Union Bank for 2 years now, and the customer service is excellent.

Union Bank an okay bank

Posted by: UnionBank | Sep 5, 2014

I have been a customer of Union Bank for several years now and the only reason I stay with them it's because their bank is really near from were I live, and also their fees are not that bad compared to the other banks. Their customer service is good if I must say so myself, there is always someone available to help you and they solve any inquiries you have in a matter of time. One thing I don't like about Union Banks is that they lack Web/Mobile experience, I think they don't even have a mobile app yet, and their web service is lacking. Overall It's an okay bank so don't expect much from them.

Caveat Emptor=Buyer Beware

Posted by: Anonymous | Mar 7, 2012

I recently open an account with Union Ban and never had any issues with customer service. When I started using there online service I notice I was being tracked by cookies. Union Bank allows Core Metrics Foresee Results to track you while you are signed into their "secure web page". I have never heard of a bank using cookies to track while I am viewing my personal financial information.

When I ask why the first response I received was "you can delete cookies". After speaking with three people no one could answer why they were tracking me and using cookies while I was view personal financial information.

Caveat emptor=Buyer beware.


Been with them for 5 years - were fine in the beginning then suddenly things started looking suspicious. Come find out they were sold to Frontier Bank a year ago and we were never notified. Accused us of money laundering! Sent us a letter from the Deport Fraud Management closing our account and denying us access to our account to get our money until the end of the month! Left our account open only to accept our social security, retirement checks and paychecks. Last night asked a question about a suspicious post for "debit claim" - took 3 people to tell me they didn't know what it was and to call back today to see if anyone could answer that question - I told them to get the answer and I will call back Monday expecting an answer. Horrible service and explanations. If we are money laundering where are the law enforcement officials? We never have more than $5000 in our account at any one time and that's only when we get all our checks in at the same time. Don't use them!



Health Grade Components

FDIC Certificate #22826
Year Established1979
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD4.46%
Annual Interest Income$1.63B
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$116B$113.5B
LoansQ2 2016vs Q2 2015$78.64B$75.67B
DepositsQ2 2016vs Q2 2015$83.34B$82.55B
Equity CapitalQ2 2016vs Q2 2015$15.94B$15.06B
Loan Loss AllowanceQ2 2016vs Q2 2015$714.2MM$525.0MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$786.0MM$385.3MM
Real Estate OwnedQ2 2016vs Q2 2015$88.9MM$27.2MM
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Union Bank (San Francisco, CA) Savings Account Rates

0.15%$25k-Retirement Income IRA
0.15%$25k-Retirement Income Roth IRA
0.15%$25k-Retirement Income CESA
0.10%*$50k*-Union Bank Preferred Savings
OTHER TIERS: 0.01% Up to $2,500 | 0.05% $2,500 - $10k | 0.08% $10k - $50k
0.01%--Regular Savings
0.01%--Kidz Savings
0.01%--Teen Savings

Union Bank (San Francisco, CA) Money Market Rates

0.10%*$50k*-High Rate MoneyMarket Account
OTHER TIERS: 0.01% Up to $2,500 | 0.05% $2,500 - $10k | 0.08% $10k - $50k
0.08%*$25k*-MoneyMarket Account
OTHER TIERS: 0.01% Up to $2,500 | 0.05% $2,500 - $25k
0.05%*$2,500*-IRA MoneyMarket Savings Account
OTHER TIERS: 0.01% $25 - $2,500

Union Bank (San Francisco, CA) CD Rates

0.50%$350$100k60 Month CD
0.40%$350$100k48 - 59 Month CD
0.35%$350$100k36 - 47 Month CD
0.20%$350$100k24 - 35 Month CD
0.15%$350$100k12 - 17 Month CD
0.15%$350$100k18 - 23 Month CD
0.05%$350$100k32 - 89 Day CD
0.05%$350$100k90 - 179 Day CD
0.05%$350$100k180 - 364 Day CD
0.05%$2,500$100k7 - 31 Day CD

Union Bank (San Francisco, CA) IRA Rates

0.50%$350-60 - 120 Month IRA Time Deposit
0.40%$350-48 - 59 Month IRA Time Deposit
0.35%$350-36 - 47 Month IRA Time Deposit
0.20%$350-24 - 35 Month IRA Time Deposit
0.15%$500-18 Month Variable Rate IRA Time Deposit
0.15%$350-12 - 17 Month IRA Time Deposit
0.15%$350-18 - 23 Month IRA Time Deposit
0.05%$350-90 - 181 Day IRA Time Deposit
0.05%$350-182 - 364 Day IRA Time Deposit

Union Bank (San Francisco, CA) has 358 locations. Click to view all Union Bank (San Francisco, CA) locations.