Union Bank is AWFUL. Would give 0 Stars if possible. They recently started re-ordering your debits and make largest ones hit first (didn't other banks get in trouble for this years ago). This is just a FYI as I don't make charges that won't clear but I do not feel that manipulation on your transactions is on the up and up.
Union Bank has just recently started holding direct deposits in pending status for 2 days after they have received direct deposit. My direct deposits have been done for over 2 years and this "holding" has only consistantly started occurring within the last 3 months.
Worst Teller customer experience: When I tried to make a $80.00 cash withdrawal to keep $40.00 and put $40.00 into another account that I am not on. Simple right? $80.00 out of my account. Keep $40 cash and hand deposit slip and $40 for another account deposit on an account I am not on. (Not possible for me to do a transfer to the other account because I am not on the other account). The teller rudely help up my $80 withdrawal slip in front of my face and ripped it up. Told me I didn't do it correctly and made me fill out 2 withdrawal slips from my account each for $40. NEVER in 4 years have I been told I filled out my withdrawal slip incorrectly when doing this very same transaction. To make me fill out 2 withdrawal slips like this was beyond reasonable for a simple transaction.
DAY I DECIDED ENOUGH! Had a Union Bank Rep do a pending debit "release" directly with the merchant on the telephone who was trying to credit my account back for a charge that had not gone through yet (in pending status) and UNION BANK put the "released" charge through the account anyway and debited the account and paid the merchant. Now Union Bank is claiming that it is the merchant's fault and they committed fraud. HUH? Recap: Union Bank Rep does a release on the pending debit directly with the merchant on the phone and Union Bank pays the mrechant and it's the merchant's fault!!!
They are now telling me that for me to have the money they paid the merchant, I have to file a claim against the merchant for the fraudulent charge which can take anywhere from 10-90 days. Have they lost their friggin minds? The merchant didn't commit fraud. The merchant was crediting the account back and Union Bank PAID them after they "released" the charge.
STAY AWAY FROM THIS BANK! They "play" with your money at your loss and expense and blame everyone else.
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