General FAQs

Where do I find the latest USB system upgrade information?

It’s on our system upgrade information hub located at www.unionsavings.com/update.

What is Union Savings Bank routing number?

The Union Savings Bank routing number is 221172241.

How do I reset my Online Banking password?

On the www.unionsavings.com website, click Forgot User ID/Password and follow the on-screen prompts to recover your information. Or you can call us at 866.719.6654.

How do I login to my USB mobile banking account?

Login to your Online Banking account, go to self- service and de-register your mobile phone, then re-register the phone.

Personal Banking

Download our Online Banking User Guide by clicking here.

The Send on Date is the date that you select when scheduling your online electronic payment using Bill Pay in Online Banking and is displayed within the calendar widget when scheduling a bill payment.  The Send on Date is when the funds will be withdrawn from your account at approximately 9:00 p.m. EST.

The Deliver by Date is the date you select that you would like your payment to be received by and is displayed within the calendar widget when scheduling a bill payment. The process time is approximately 3 business days to arrive to the person/vendor you are paying.

The Send on Date is date that you select when scheduling your online check payment using Bill Pay in Online Banking and is displayed within the calendar widget when scheduling a bill payment.  The Send On date is when Union Savings Bank will check to see if the funds are in your account at approximately 9:00 p.m. EST. The funds to cover this payment must be in your account BEFORE 9:00 p.m. EST. If funds are not available at this time, the payment will fail and an email/alert will be sent. If the funds are available, the payment will be sent.

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Business Banking

Download our Business Banking User Guide by clicking here

Please visit a branch to open your account. The process should take less than 20 minutes. If you are a new customer, you will need to provide the first two pages of the Articles or Organization and the EIN. If you are registered on C.O.N.C.O.R.D and the registration is current, only the EIN must be provided. If you are a DBA, you will need to provide the Trade Name certification of the town in which you operate your business. You must also bring funds for the minimum required deposit in form of cash or a check.

Yes, our Basic Business checking allows the first 75 transactions free of charge ($.50 per debit/credit applied thereafter) per statement cycle. Find out more about our Business Checking products

Yes, you can transfer funds in a branch and through Business Online Banking but additional fees might apply. Call 866.872.1866 and we can discuss the solution that is right for your business.

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Business & Commercial Loans

Call us at 866.872.1866 and we’ll meet you at a branch, your office or anywhere that is convenient.

Yes. We offer secured lines of credit for short-term cash flow needs, term loans for equipment and vehicle purchases, small business mortgage loans, and an unsecured business cash reserve line to protect against overdrafts. See our business lending products

Our small business loan interest rates are competitive and priced on an individual basis and therefore are not posted. One of our small business loan officers would be happy to further explain how pricing is determined. Call us at 866.872.1866.

Yes, we offer fixed rates on small business loans. Call us at 866.872.1866 to discuss your options.

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Investing & Wealth Management

You can easily rollover your former 401(k) account assets into an Individual Retirement Account (IRA) at Union Savings Bank. Once the assets are transferred to your personal IRA at Union Savings Bank, we will work with you to review your goals, asset allocation and investment strategy. We’ll help you develop an investment strategy aligned more closely with your retirement objectives; one that can greatly impact your retirement plan and future. (Just a reminder: It’s important to maintain routine, monthly contributions to your 401(k), so always remember to enroll in your new employers’ 401(k) plan.) Call us to discuss your options 866.872.1866.

Saving early and consistently can deliver a dramatic, positive outcome for your retirement savings. When you start early, you benefit greatly from the power of compounding interest over time. The Union Savings Bank’s Wealth Management team can show you how starting early can make compounding can work for you, and help you get started. See for yourself with our retirement calculator

While it’s human nature to procrastinate, the cost of delaying your investment plan can be huge. If you aren’t saving, start today. If you are already contributing to your 401(k), always increase your contribution as your compensation increases. Saving outside your 401(k) is also important.

Union Savings Bank’s Wealth Management Team can recommend a wide array of mutual funds to help you invest wisely, while remaining mindful of fees and expenses. We can help you maintain a solid savings program toward retirement, while also saving for other important milestones such as college education for your children, a special vacation, or that first house. We can also help evaluate your insurance coverages to protect against any unforeseen life event. Find out more about our personalized approach

When you change jobs, it’s important to review your investment strategy and asset allocations to accommodate your new salary and benefit package. It’s also key to understand your distribution options for your company’s retirement savings or pension plan. You may elect to roll over money into a new plan or an individual retirement account. Let Union Savings Bank’s Wealth Management team help to evaluate your changing circumstances and develop a financial plan to create a paycheck in retirement. Find out more about our personalized approach and services

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Mortgage & Home Equity Loans

A fixed-rate mortgage features the same interest rate for the life of the loan. Adjustable-rate mortgages feature variable interest rates that may change over the life of the loan. Contact us today to help you determine which product is the best fit for you.

You can calculate a mortgage payment by using our mortgage calculator. Click here

Generally, a minimum down payment of 5% is required for most transactions although there are many different products and programs available. When putting down less than 20%, private mortgage insurance will apply. One exception is our First Time Homebuyer Program, which only requires a 10.1% down payment.

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Consumer Loans

A collateral loan is a secured loan in which the borrower pledges an asset. Union Savings Bank offers added flexibility and loan power to customers on certain eligible accounts for quick, no credit review loans. These loans are processed and closed in the Branch.

You can secure a collateral loan with a USB Statement Savings account or Certificates of Deposit Statement.

Payments are made as interest-only monthly payments.

Collateral loans have no set term.

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Have more questions? Contact Us

Give us a call at 866.872.1866orFind a Branch

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