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Union Center National Bank, New Jersey's leading financial institution and your "Heart Smart Banker".


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Personal Checking
Really Free Checking
It’s just that. No minimum deposit. No monthly service charges. Unlimited check writing. Monthly imaged. Statement with free binder. Free Visa Check Card.
Need to Order Checks?
Visit Deluxe Check Printers website by clicking the logo to the right. Now, there's an easy and fast way to get your checks delivered to you.
Heart Smart Checking
Use your UCNB debit card to earn high rates! Just by using 10 debit card transactions per month, direct deposit and E-statement, you will earn high interest rates on your checking balance, $1,000 Identity Theft Protection, Payment Card Protection and Identity Guard®. And there is no monthly fee and no minimum balance requirements!
Super Heart Smart Checking
Use your UCNB debit card to earn even higher rates! Just by using 15 debit card transactions per month, direct deposit and E-statement, you will earn our highest interest rates on your checking balance, $2,500 Identity Theft Protection, Payment Card Protection and Identity Guard®. You get free checks and up to $10 in non-UCNB ATM fees waived on a monthly basis when you qualify for the higher interest rate. You also get free Online Banking with Bill Pay and great discounts on dining, travel, recreation, prescriptions and much more! The fee is only $5 per month, which is waived if you use 25 debit card transactions per month!
Gold Checking
Our Gold Checking Account offers unlimited check writing and free Online Banking and Bill Pay. No minimum balance required. And you can enjoy discounts on travel, dining, recreation, prescriptions, eyeglasses, and so much more. This account offers $10,000 Travel Accidental Death Insurance and ID Theft Protection. All this for only $7 per month!
Max N.O.W. Account
A high interest account with a $5,000.00 opening balance, unlimited check writing and a free Visa Check card. Earn interest on all balances, free Online banking and Bill Pay, and all ATM fees refunded nationwide. Maintain a $1,000 minimum daily balance to avoid $25 monthly fee.
Your Heart Smart Banker will help you choose the perfect personal checking account. And we have a full range of accounts to choose from – a basic free checking account with no monthly service fee and no minimum balance to more sophisticated interest earning accounts that offer free online banking, overdraft protection and more.
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©2013 UNION CENTER NATIONAL BANK, 2003 MORRIS AVENUE, UNION, NJ 07083 1-800-U-N-CENTER