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Union Bank of Michigan 1-2-3 Rewards Checking Account

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APYUp to 3.05%
Min. Deposit $1,000

Last updated on 2022-12-10

Union Bank of Michigan 1-2-3 Rewards Checking Account Review


High yields for checking account

Convenient online or physical at branch banking


Only receive base interest of 0.03% APY if any of conditions not met

3.05% APY only applicable for first $25,000 deposit

15x debit card transactions of $15 each and min. deposit of $1,000 might be hard to fulfill every month

Branches only located in Michigan

Physical presence required at branch to sign documents to open account

Deposit Details Union Bank of Michigan Checking Account APY

Receive interest on the daily average balance

$100 minimum deposit to open an account

Monthly minimum average balance of $1,000 to avoid a $10 service charge

eStatements required

Free online bill pay, online and mobile banking

Free ATM and Dime-a-time debit card

Unlimited check writing


Deposit Interest Rates Union Bank of Michigan Checking Account Yield Computation

  Interest Rate
$0 to $1k 0.05% APY
$1k to <$15k 1.51% APY
$15k to $25k 3.05% APY


Earn a monthly interest reward of up to 3.05% APY with your 1-2-3 Rewards Checking Account by completing the following transactions each month

1. Receive a combined total of $1,000 directly deposited into the account

2. Make 15 or more debit card purchases of at least $15 each

3. Have one electronic ACH debit from the account (automatic bill or Bill Payment through online banking)


If transaction requirements are not meet, the account will earn the current interest rate of 0.03% APY

Balances above $25,000 will also earn the standard 0.03% APY


Click here to go to Union Bank of Michigan website for more details


About Bank About Union Bank of Michigan

Union Bank of Michigan is a community bank with physical branches throughout Michigan. Online banking is available via app or website for all customers

Union Bank of Michigan can be contacted via contact form via their website, email, in person at any of their branches or phone support at +1 616-374-3278

Union Bank of Michigan is a member of FDIC which covers the aggregated deposits of a depositor to up to US$250,000


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Union Bank of Michigan 1-2-3 Rewards Checking Account Review

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