Updated March 5, 2021

Union Bank Routing Number

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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.

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