Union Bank & Trust

National Bank, bankatunion.com

Union Bank & Trust logo
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Rating
MyBankTracker rating based on the following criteria that includes customer reviews, financial health, bank fees and other key factors compared to the other banks.
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About the Bank

Union Bank is one of the largest community banks to serve the state of Virginia. It offers a comprehensive list of products and services for consumers and small businesses, including deposit accounts, IRAs, loans, investments, and trust services.

The bank is partnered with the SUM ATM network to extend surcharge-free access to thousands of ATMs nationwide for all customers.

Union Bank & Trust Fees

  • National Average
  • Monthly Inactivity $7.50 $6
  • Non-Sufficient Fund (Overdraft) $35 $30
  • Stop Payment item $35 $27
  • Return Deposit $10 $13
  • Domestic Wire Transfer (Outbound) $25 $22
  • Domestic Wire Transfer (Inbound) $15 $10
  • Non-Bank ATM $2 $1

Locations & Hours

map of local branches and ATMs
Branches
154

We found bank branches & ATMs within miles of .

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Latest Customer Reviews

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  •  
    Reviewed By Leilei Jun 6, 2017

    Fees for $0.01

    So I have this bank for a couple months everything was going good even thought about taking out a loan with them but that quickly changed when my account went into the negative in the morning and I got off work and went to a pay that balance in the afternoon. So I drive through the drive-thru and pay what I thought was my negative balance plus the fee and I get handed back a receipt where the bank teller the smiles at me and says your amount is written on the receipt. I get the receipt in my hand and it's a negative balance something like negative $60 or something like that and again the woman just smiled and didn't say anything. So we go in and try to settle the matter and see what happened only to find out that a purchase that I made earlier that week that was a debit transaction was just now going through and before they charge the actual amount they charge $0.01 and since my bank account was already in the negative they approve that transaction instead of stopping it and I got charged a double fee. Which I was not notified about because I probably would have just left work and went to the nearest branch to have that settled. So apparently I had signed up for something that allows all transactions to go through even though money isn't in the bank and you can't unsign up for that service which of course we found out that day. We had to negotiate with them to get them to take the charge for the $0.01 off and they made it sound like they are doing us a favor. So they did try to have us stay on the card but the deciding factor was the fact that we couldn't turn off that feature that allows transactions to go through even though there is no money. And of course there is a fee to cancel your account which we paid in cash. Now the other issue I had with this bank is even after I was told the bank account would clothes in a couple business days I still had problems because apparently they didn't stop a Starbucks transaction of $2.02 again even though there was no money in the bank account and somehow we ended up with we paid too much money to cancel the bank account and we got $ money back. I also want to point out that this Bank processes large transactions very quickly but small transactions it takes a very long time seems a bit Shady. Also they don't bother to call you when your bank account goes into negative or when it goes into you no double or triple fees or things like that. I would say this bank is the same level as Bank of America and you really have to watch your transactions and if you make a mistake they will hit you and they will hit you hard. Bank with them if you are super careful with your money and literally don't make any mistakes if you work a low income job then I wouldn't suggest it because there's a chance that they're going to take forever to process some of your charges and you will end up getting fees on top of fees on top of fees.

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  •  
    Reviewed By wsb289 Apr 21, 2016

    Piss poor customer service

    This is a nasty bank that values their employees more than the customer. I deposited a 7000 check so I could get a new car and a gravestone for my mom and daughter . The teller looked at me and said there will be up to a 7 day hold on the account. I checked their app that they recommend and it showed funds available so I paid bill's to later find out that I had overdraft fees so I called the bank and received the run around went to the worst branch at short pump and Midlothian needless to say same rude treatment. I been with them since 2012 and never had a overdraft fee and couldn't get these waived so I am closing my account. This is the worst you could go with its best to stay with the credit union.

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  •  
    Reviewed By FedUpCustomers Jul 30, 2015

    Rude, unprofessional staff.

    I opened my accounts online which was through a branch in Midlothian. Anytime I had to deal with anyone at that branch or at the Willow Lawn branch, it was awful. The staff was either snooty or flat out indignant. I had my business and personal accounts with Union and I am in the process of closing everything. After six years I'm tired of of dealing with them. There was always an air of judgement/annoyance any time I had to deal with anyone. In fact, one older female teller at the Willow Lawn branch began making assumptions about me and made condescending, judgemental comments regarding my account when I was asking her about available banking services.

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  •  
    Reviewed By wsb289 Apr 21, 2016

    Piss poor customer service

    This is a nasty bank that values their employees more than the customer. I deposited a 7000 check so I could get a new car and a gravestone for my mom and daughter . The teller looked at me and said there will be up to a 7 day hold on the account. I checked their app that they recommend and it showed funds available so I paid bill's to later find out that I had overdraft fees so I called the bank and received the run around went to the worst branch at short pump and Midlothian needless to say same rude treatment. I been with them since 2012 and never had a overdraft fee and couldn't get these waived so I am closing my account. This is the worst you could go with its best to stay with the credit union.

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  •  
    Reviewed By DJ Feb 4, 2015

    Poor Internal Controls/Processes For Construction Loans

    I started working with the branch of this bank in south carolina june of 2014 for a construction loan and have had difficulties at every critical step of the process. During the documentation gathering process, after everything had been gathered over a period of several months (they had to get updated information because of time lapse) they requested information at the last minute causing me to contact my builder at night, after hours so they could have it for the loan documentation. During the appraisal process, they sent out and appraiser that wend to the wrong property and had to appeal the appraisal. The appeal is a 5 page document which they asked me, the customer, to complaint as they said they had limited time and knowledge to adequately state a case for the appeal.

    So, in essence, i did their job. The appraiser re-did the appraisal 3 times. At least i was only charged once. The day of closing, they were not ready with al the documentation and made me and my attorney wait 3 hours as we kept finding problems with the paperwork once we did receive it. During the first draw, they shorted my builder by only baying 25% of invoiced services and materials. After weeks of appealing, once again, they paid and additional 5%. Still not close to amount invoiced. In my january payment to them, the check got lost in the mail. I had several phone calls to them on that.

    They finally waived the late fee. Now - with no new draws made, i have received a statement for 3x more than last month. I have called them 3 times in the last week and they are still researching as to why. They cannot figure it out. I do not trust their processes, their internal controls, nor their systems. Unfortunately, i cannot change banks until after closing.

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  •  
    Reviewed By kelley c. Jun 23, 2014

    Not Worth the Free Checking

    I have had numerous problems with this bank that would take too long to write about. I could not retrieve my free online bank statements for last year. Though they would not help me with access to getting all the statements for the prior 6 months to a year. Even though the bank claims to storage up to 7 years for easy access. To this day I still have never been able to access the bank statements prior to changing to paper. Only one location was willing to help me and not charge me $1.00 for each month I needed.

    I can not order bank stuff online and have it delivered to my home. I have to call if I need things other than bank statements sent to my mailing address because they keep sending stuff to former addresses. That I was told former addresses were no longer on file. Send important online banking to an old email address I also had changed. The current address they send the paper bank statements too. Makes no sense this has been going on for over a year now.

    Certain locations care more about the customer and better able to help. I find however it is rare to find a helpful employee via the toll free online banking number. Therefore I no longer use any of the online banking features. Difficulties when ordering address labels or anything else online Union First Market Bank using their supplier a 3rd party company. The address on the labels were different then the address package was mailed to. You can only use one address on products that the bank has on file. I had to call the 3rd party to have them re-delivered as Union First Market Bank would not help.

    Summary Not worth the free banking. I was going to see how the bank was and if satisfied move my larger accounts to this bank. Some Representative just don't care, have an attitude and lie about it taken 2 days before a Supervisor will call back. Issues are rarely resolved much less in a timely manner. I can only my account for POS purchases. Only good to report is free checking and no fees.

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  •  
    Reviewed By wsb289 Apr 21, 2016

    Piss poor customer service

    This is a nasty bank that values their employees more than the customer. I deposited a 7000 check so I could get a new car and a gravestone for my mom and daughter . The teller looked at me and said there will be up to a 7 day hold on the account. I checked their app that they recommend and it showed funds available so I paid bill's to later find out that I had overdraft fees so I called the bank and received the run around went to the worst branch at short pump and Midlothian needless to say same rude treatment. I been with them since 2012 and never had a overdraft fee and couldn't get these waived so I am closing my account. This is the worst you could go with its best to stay with the credit union.

    Continue reading...
    Thank you for your feedback Is this review helpful?
  •  
    Reviewed By Edgardo R. Dec 18, 2013

    Negative

    Filed a complaint for an unauthorized charge to my credit card. I was made to come into the bank in person to fill out a two page form. When I returned a week later the complaint was not processed, and I was asked more questions about my incident. They did not help me and treated me as if I were trying to steal something. The whole time the teller smiled at me while I was aggravated.

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  •  
    Reviewed By kelley c. Jun 23, 2014

    Not Worth the Free Checking

    I have had numerous problems with this bank that would take too long to write about. I could not retrieve my free online bank statements for last year. Though they would not help me with access to getting all the statements for the prior 6 months to a year. Even though the bank claims to storage up to 7 years for easy access. To this day I still have never been able to access the bank statements prior to changing to paper. Only one location was willing to help me and not charge me $1.00 for each month I needed.

    I can not order bank stuff online and have it delivered to my home. I have to call if I need things other than bank statements sent to my mailing address because they keep sending stuff to former addresses. That I was told former addresses were no longer on file. Send important online banking to an old email address I also had changed. The current address they send the paper bank statements too. Makes no sense this has been going on for over a year now.

    Certain locations care more about the customer and better able to help. I find however it is rare to find a helpful employee via the toll free online banking number. Therefore I no longer use any of the online banking features. Difficulties when ordering address labels or anything else online Union First Market Bank using their supplier a 3rd party company. The address on the labels were different then the address package was mailed to. You can only use one address on products that the bank has on file. I had to call the 3rd party to have them re-delivered as Union First Market Bank would not help.

    Summary Not worth the free banking. I was going to see how the bank was and if satisfied move my larger accounts to this bank. Some Representative just don't care, have an attitude and lie about it taken 2 days before a Supervisor will call back. Issues are rarely resolved much less in a timely manner. I can only my account for POS purchases. Only good to report is free checking and no fees.

    Continue reading...
    Thank you for your feedback Is this review helpful?
  •  
    Reviewed By Edgardo R. Dec 18, 2013

    Negative

    Filed a complaint for an unauthorized charge to my credit card. I was made to come into the bank in person to fill out a two page form. When I returned a week later the complaint was not processed, and I was asked more questions about my incident. They did not help me and treated me as if I were trying to steal something. The whole time the teller smiled at me while I was aggravated.

    Continue reading...
    Thank you for your feedback Is this review helpful?
  •  
    Reviewed By FedUpCustomers Jul 30, 2015

    Rude, unprofessional staff.

    I opened my accounts online which was through a branch in Midlothian. Anytime I had to deal with anyone at that branch or at the Willow Lawn branch, it was awful. The staff was either snooty or flat out indignant. I had my business and personal accounts with Union and I am in the process of closing everything. After six years I'm tired of of dealing with them. There was always an air of judgement/annoyance any time I had to deal with anyone. In fact, one older female teller at the Willow Lawn branch began making assumptions about me and made condescending, judgemental comments regarding my account when I was asking her about available banking services.

    Continue reading...
    Thank you for your feedback Is this review helpful?