Updated March 5, 2021

Union Bank Routing Number

Read more about Union Bank
Ad Disclosure: This article contains references to products from our partners. We may receive compensation if you apply or shop through links in our content. You help support CreditDonkey by using our links. (read more)

What is the routing number for Union Bank? Read on to find out.

A routing number is a 9-digit number that banks use to identify themselves. Think of it as an address that lets other banks know where to find your money.

You need your routing number for tasks like:

  • ACH payments
  • Setting up direct deposit
  • Receiving benefits from the government, including tax refunds
  • Transferring money between accounts at different banks or investment firms
  • Automatic bill payment
  • Domestic wire transfers

Banks that have branches in more than one state usually have more than one routing number. Union Bank, owned by MUFG, has personal banking branches in California, Oregon, and Washington with different routing number for each state.

Keep reading to learn how to find the right Union Bank routing number for your transactions.

Union Bank savings accounts use the same routing numbers as checking accounts.

Union Bank Routing Numbers by State

Your Union Bank routing number is associated with the location of the bank where you opened your account. Even if you bank at another Union Bank branch, what matters is the bank where you originally opened your account.

Here are the Union Bank routing numbers by state:

  • California: 122000496
  • Oregon: 123000068
  • Washington: 125000118

If you don't see your region listed or are unsure where you opened your account, view below the other ways to find your Union Bank routing number.

Breaking Down Your Routing Number
The first four digits pertain to the Federal Reserve. The next four digits are unique to your bank. Consider those the bank's address for the Federal Reserve. The final digit is a mathematical calculation of the first eight digits–it's used to prevent check fraud.

Other Ways to Find Your Union Bank Routing Number

Use a Check
You can find the 9 digit routing number in the lower left-hand corner of the checks for that account.

Go Online
After logging in, click the Services tab within your online banking portal. You will be directed to your account's routing number.

Call Customer Service
If you don't have online checking or a check handy, call Union Bank at 877-478-1832. After you provide a few details to identify yourself, a representative will be able to confirm your account's routing number.

Routing Numbers for Domestic/International Wire Transfers

Wire transfers are a faster way to send money than an ACH transfer. They typically cost a small fee.

You can initiate a wire transfer from your online account or a local Union Bank branch.

To do it online:

  1. Find the Transfers tab within your online bank portal

  2. Select the type of transfer you'd like to make. If it's your first wire transfer, you'll have to verify your identity using a phone number.

For Domestic Wire Transfer
Union Bank uses a separate routing number different from the state routing numbers. Use this number instead: 122000496.

You'll need the following information to SEND a domestic wire:

  • The name of the person to whom you're wiring funds (the "beneficiary") as it appears on their account

  • The name and address of the beneficiary's bank

  • The routing number of the beneficiary's bank

  • The beneficiary's account number

Union Bank Wire Transfer Fees
Incoming (Domestic): $15
Outgoing (Domestic) done online: $20
Outgoing (Domestic) done at a Union Bank branch: $30

To Make Or Receive An International Transfer
Use the Union Bank SWIFT code BOFCUS33MPK.

SWIFT (Society for Worldwide Interbank Financial Telecommunication) codes are the international equivalents of US routing numbers. They direct the money to the correct bank for international transfers.

You'll also need the following information to SEND an international wire:

  • The name of the person to whom you're wiring funds ("the beneficiary") as it appears on their account

  • The name and address of the beneficiary's bank

  • The beneficiary's account number

  • The SWIFT Code of your bank and the bank you are sending to

  • Currency being sent

Before submitting a wire transfer for processing, it's a good idea to double-check you have all the necessary information entered correctly.

International wire costs, both incoming and outgoing, depend on your customer relationship. To find out what it will cost you, contact Union Bank at 877-478-1832 and provide your account details.

Which Union Bank Routing Number Should You Use?

Domestic Money Transfer Activity
Use the ABA routing number for the state where you opened your Union Bank branch bank listed above.

Domestic Wire Transfers
Use the Union Bank wire transfer routing number 122000496.

International Wire Transfers:
Use Union Bank SWIFT code BOFCUS33MPK.

Is There a Routing Number on Your Debit or Credit Card?
Although your debit card is associated with a bank account, you do not use a routing number for debit card transactions. Routing numbers are only used for transfers directly between bank accounts.

Likewise, credit cards do not have routing numbers since they are not directly linked to any bank account. When you pay your credit card online, you may need to use your bank account routing number to set up the link between your credit card account and checking account, like you would for any other bill.

Bottom Line

You'll likely need your Union Bank routing number when managing your finances. Keep it handy should you need to set up a direct deposit, automatic payment, or wire transfer.

Member FDIC

Chase Total Checking® - $300 Bonus

Expires 4/17/2024
  • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities
  • Access to more than 15,000 Chase ATMs and more than 4,700 branches
  • Chase Mobile® app - Manage your accounts, deposit checks, transfer money and more -- all from your device.
  • JPMorgan Chase Bank, N.A. Member FDIC
  • Open your account online now
  • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com.
  • Chase Overdraft Assist℠ - no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
Bank of America
Member FDIC

Bank of America Advantage Banking - $200 Bonus Offer

Expires 5/31/2024
  • The $200 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
  • The offer is for new checking customers only.
  • Offer expires 5/31/2024.
  • To qualify, open a Bank of America Advantage Banking account through the promotional page and set up and receive qualifying direct deposits totaling $2,000 or more into that new account within 90 days of opening.
  • Bank of America will attempt to pay bonus within 60 days.
  • Additional terms and conditions apply. See offer page for more details.
  • Bank of America, N.A. Member FDIC.
Member FDIC

Enhanced Direct Deposit - Earn $300 Cash Bonus

Earn $300 cash bonus when you open a new eligible checking account with Enhanced Direct Deposit and complete required activities. Member FDIC

  • Open a new eligible Citi Checking account with Enhanced Direct Deposits
  • Deposit at least two Enhanced Direct Deposits directly into your new checking account within 90 calendar days from account opening.
  • Your total combined Enhanced Direct Deposit must equal $1,500 or more.
  • Earn a $300 cash bonus. Your cash bonus will be deposited to your open, eligible checking account within 30 calendar days after required activities have been completed.
Discover Bank
Member FDIC

Online Savings Account - Earn 4.30% APY

  • No fees
  • No minimum opening deposit
  • No minimum balance required
CIT Bank
Member FDIC

CIT Bank Platinum Savings - 5.05% APY

  • 5.05% APY with a balance of $5,000 or more
  • 0.25% APY with a balance of less than $5,000
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC

Write to Andrea Sielicki at feedback@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.

Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

Subscribe to CreditDonkey
Get updates on the latest deals and keep up with the best money moves.

Your privacy is important to us. Unsubscribe anytime

Save money and build wealth. Sign up to get our FREE email newsletter.
Is BMO an Ethical Bank?

Is BMO an Ethical Bank

BMO has been recognized as one of the World's Most Ethical Companies for six consecutive years. How did they earn this award? Find out.
More Articles in Bank Reviews & Deals

About CreditDonkey
CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

About Us | Reviews | Deals | Tips | Privacy | Do Not Sell My Info | Terms | Contact Us
(888) 483-4925 | 680 East Colorado Blvd, 2nd Floor | Pasadena, CA 91101
© 2024 CreditDonkey Inc. All Rights Reserved.