Posted by William Charles on October 7, 2017
Bank Account Bonuses

Published on October 7th, 2017 | by William Charles

255

[Expired][CA, OR, WA, GA, IL, NY, TX, AZ only] Union Bank $200 Checking Bonus – Direct Deposit Not Required

This deal has expired and is no longer valid, click here to view the best current bank account bonuses.

A lot of readers are having issues with this bank/bonus. I’d strongly advise you to read the comments before considering opening an account. Because of this we won’t be adding it to our best bank bonus list.

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: CA, OR, WA, GA, IL, NY, TX, AZ only
  • Direct deposit required: Optional
  • Additional requirements: Direct deposit of $500+ or 10 debit card purchases
  • Hard/soft pull: Soft
  • ChexSystems: Unknown (reports of them being sensitive)
  • Credit card funding: None
  • Monthly fees: $5, avoidable
  • Early account termination fee: Unknown
  • Household limit: None listed
  • Expiration date: November 19th, 2017

The Offer

Direct link to offer

  • Union Bank is offering a bonus of $200 when you open a new Banking By Design checking account and complete ONE of the following requirements within 60 days of account opening

The Fine Print

  • $200 Checking Bonus: Valid for new Union Bank® personal checking clients who open a Banking By Design checking account online and complete one of the following qualifying services within 60 days of account opening: (i) complete a direct deposit of $500 or more; or (ii) complete ten (10) or more debit card purchases (excluding cash withdrawals, transfers, or ATM inquiries).
  • Qualifying services must transact from the same Banking By Design checking account.
  • After qualification, the bonus will be deposited into the Banking by Design checking account during February 2018.
  • If your account is not active and in good standing, you will not receive the bonus.
  • Limit one offer per lifetime.
  • Bonus may be subject to tax reporting; applicable 1099 may be sent for tax purposes.
  • Union Bank reserves the right to change this cash bonus offer at any time without prior notice.
  • Cannot be combined with other offers.
  • A qualifying direct deposit is an electronic deposit of your salary/paycheck, pension or government benefits (such as Social Security) from an employer or the government. Transfers from one account to another or deposits made at a banking location or ATM do not qualify as a direct deposit.

Avoiding Fees

This account has a $5 monthly fee, this is waived if you do either of the following:

  • single direct deposit of $250 or more
  • single Mobile Check Deposit of $250 or more

I’m unsure if there is any early account termination fee or not

Our Verdict

Unfortunately it looks like they are ChexSystems sensitive, if you can manage to get around that then this is a great bonus. $200 is relatively high, especially when it doesn’t require a direct deposit and is fairly easy to keep fee free. They used to have a $500 business checking bonus, but that has unfortunately expired. I’ll likely add this to the best checking bonuses but I’d like to see how ChexSystems sensitive they are first so please make sure to share your experiences in the comments below.

Big thanks to reader, Isaac B who let us know. Learn how to find bonuses and contribute to the site here.

Useful posts regarding bank bonuses:



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Superchurn
Superchurn

now this looks like a tasty bonus!

I just might go for this one, even though I’m at 21 new accounts within the last year. I can be another DP

anthonyjh21
anthonyjh21

User name checks out. Keep us updated, thanks. Be

Superchurn
Superchurn

opened successfully. word to the wise, don’t do instant account verification for external account funding. that caused the site to error out on me.

other than that, things seemed to open fine. just gotta send in the signature card and verify the external account for the account funding

Thomas
Thomas

hey, I’m wondering.. did it say that they require the signature card be mailed in? Or is there a fax number on it, etc? I’m an Oregon resident, but currently overseas for the next 3 months.

Thanks for any info! I want to open this so bad. But I had a bad experience before, where an account was frozen because I was overseas at the time and was unable to mail the stupid signature card in lol thanks for any help

Superchurn
Superchurn

unfortunately, unlike M&T bank which let you fax it in, this one only says to mail it in

Mail the signed Signature Specimen Card to the address shown below:

MUFG Union Bank
Commercial Customer Service – V03-011
PO Box 513840
Los Angeles, CA 90051-3840

Vic Jang
Vic Jang

I’m in. Gonna open this today.

Vic
Vic

Opened successfully. Going to change DD information now.

Superchurn
Superchurn

how long was the process?

lots of invasive questions?

David
David

What does your last year of new checking accounts look like? Trying to see how picky they are… thanks!

Superchurn
Superchurn

mine is 21 new accounts in the last year, and it let me right in, so it doesn’t seem like they’re super chex sensitive.

Alex T
Alex T

Stuck on an error: Apartment/unit number is missing. Please update the street/unit number.

Uhhhhh…my work doesn’t have an apartment number. Tried different browsers/combinations. Still an issue. This is a first

Alex T
Alex T

Got it fixed…for anyone having the same employer address issue, just type in APT 0 at the end and it worked for me.

Ive had at least 15-20 accounts opened in last year. After I got past address issue above, they opened my account. Should be an easy $200.

Vic
Vic

I had the same error. I didn’t think of APT 0 so I ended up using my previous employer’s info.

Superchurn
Superchurn

nice. i’ll definitely go for it now

mk712
mk712

Opened and approved, though my ChexSystems is relatively clean (8 new accounts in the past 12 months).

James
James

Anyone know if the monthly service fee is waived for the first few months?

JohnLu
JohnLu

Stuck on ID number, there are * in my driver license number, and the system said no special characters. If I delete the *, it shows invalid. Anyone have same experience?

Young
Young

WA?

Replacing * with letter worked for me. But the application didn’t go through at the end, was told to go to local branch.

quasimodo
quasimodo

ridiculously stupid system

CatLover
CatLover

Tried to open but was rejected. Very strange because I only have three new account on ChexSystem. Credit score is 750. Not sure if calling will help :(((

Superchurn
Superchurn

that is weird. I have over 20 new bank accounts in the last year, and I wasn’t rejected (at least not yet)

CatLover
CatLover

Yeah I know. I am thinking if I should call and ask.

Alex T
Alex T

Same here. I think it may be possible there is a correlation of bank/branches nearby. Maybe where I live (90024) has something to do with it. Super smooth process

Superchurn
Superchurn

that could be. there’s 2 branches within 5miles of me

SEAN
SEAN

I was also rejected – my credit score is 820 and have only one new account over the past year

Superchurn
Superchurn

Asks a lot of questions about employment. Other than that, seemed to go through OK. I got an instant account number.

I did run into an error when trying to instantly verify my external ally account for account funding, but I was able to resume the application fine. Weird error, but I just chose verify in 2-3 days” with test deposits.

minimum account funding is $100

Jim
Jim

Denied due to Chex. 15 accounts opened this year, all in good standing.

Sara
Sara

It looks like you don’t have to be in certain states to open. Perhaps Nationwide? I put in IL and it took it.

Reg
Reg

Sara,

Great information. Can you provide an update. Were you able to open and find the account?

There doesn’t seem to be any geographical language in the terms.

Sara
Sara

I was able to open in IL and I believe it is available Nationwide

Jeff G
Jeff G

Just got denied. WA state. At 12 accounts last 8 months. Bummer.

britchurner
britchurner

As of 7.49 pacific time- trying to apply gives me “System is temporarily unavailable, please try again at a later time”.

Anyone else?

Hopefully this is just a maintenance thing over the weekend, or maybe they pulled it already- lol.

sonia
sonia

same. did u try again just now

TM
TM

Same

DD
DD

The UB site also says:
IMPORTANT! Information about Online Security:
1) Watch for unusual pop-up messages that inform you of technical difficulties; or request credentials from you AND another user.

Andy
Andy

DP: Account not approved, they tried to hard pull Experian, which I freezed.

“Thank you for your request to open a checking, savings and/or MoneyMarket account with Union Bank. We regret that your new account application did not pass our security requirements for opening accounts online. Therefore, we are unable to give further consideration to your new account request.

The reporting agency played no part in our decision and is unable to supply specific reasons why we are unable to open the account.

Experian Consumer Assistance
701 Experian Parkway
PO Box 2002
Allen, TX 75013-0036”

Anyone else got a hard pull from them?

Trippy
Trippy

I got instant denied, but they pulled Chexsystems.

How do you see from that it was a soft pull.

Trippy
Trippy

Sorry, meant hard or soft pull.

Andy
Andy

Could be a soft, but I am not sure.

Jon
Jon

Got the same error, but Experian isn’t frozen. Odd..

Kevin
Kevin

Got denied as well. I doubt it’s a hard pull as I did not get any alert from credit monitoring services.

Superchurn
Superchurn

whoa…i’m gonna be pretty pissed if it’s a HP

mishyq
mishyq

they were probably trying to SP your EX. i think sometimes they need to do that to ask you security questions (i think? not sure)

just applied, got approved, no HP alert received.

Ranganath
Ranganath

It happened to me also. Is this a hard or soft pull?

Marty
Marty

Got the same

Adrian
Adrian

Successfully opened.

11-12 new accounts and 15-20 applications YTD, but only 3-4 apps in the last 90 days.

Debit card ordering, PIN, and online banking access as soon as application is completed.

Most painless application in recent memory. Hoping ACH transfers are easy as well!

Jon
Jon

Odd, got rejected because of:

“We regret that your new account application did not pass our security requirements for opening accounts online. Therefore, we are unable to give further consideration to your new account request.”

I don’t have anything frozen

Jon
Jon

Whoops, can someone remove my last name here?

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