INTERNET BANKING
Internet Banking

Manage your finances easily with UnionOnline, UnionMobile, or Union360, we offer secure and convenient online banking solutions tailored to your needs.

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SME Accounts

Running a business is demanding. Managing finances shouldn’t be. At Union Bank, we provide you with the right account to keep your business moving efficiently. ​

Union Biz Account

With the UnionBiz Account, you get a hassle-free business account designed for entrepreneurs, startups, and growing businesses. No unnecessary fees, no stress, just seamless banking to keep your business moving with zero charges and interest income when you maintain a minimum balance.

 

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Features & Benefits
  • Enjoy Zero Monthly Maintenance Fee. Keep more money in your business when you maintain a minimum balance of ₦100,000 and a debit turnover of ₦200,000,000
  • Maintaining a ₦500,000 minimum balance guarantees zero maintenance fee and unlimited debit turnover to grow your business without restrictions.
  • 24/7 digital banking via UnionOnline, UnionMobile, and Union360.
  • Opening balance: ₦20,000
  • Customised clearing cheque book for your business.
  • Open to all registered businesses.
  • Access to business advisory programs and seminars.
  • Enjoy discounted αlpher loans and exclusive health service promotions.
Account Opening Requirements
  • Certificate of Incorporation
  • Memorandum and Articles of Association (MEMART) (For Limited Liability Company)
  • Statement of Share Capital and Return of Allotment of Shares(CO2) (For Limited Liability Company)
  • Particulars of the Directors (CO7) (For Limited Liability Company)
  • Application form for registration of business name (enterprise only)
  • Certificate of registration (enterprise only)
  • Valid means of identification(National ID, Voters Card ,Driver’s License or International Passport )
  • BVN of all the signatories and any shareholder that has shareholdings above 5% (Limited companies only)
  • Tax Identification Number(TIN)
  • 2 references
  • SCUML(where applicable)
  • Utility bill

Union Micro & Small Biz Account

Your business is growing, you need an account that keeps up. The Small & Growing Biz Account is designed for startups, small businesses, and entrepreneurs looking for flexible, cost-effective, and convenient banking solutions.

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Features & Benefits
  • Zero Monthly Maintenance Fee — keep every naira working for your business when you.
  • Maintain a minimum daily balance of ₦20,000 and a debit turnover of ₦50,000,000, or
  • Maintain a minimum daily balance of ₦50,000 and a debit turnover of ₦100,000,000
  • Unlimited transactions — send and receive money without limits.
  • 24/7 digital banking via UnionOnline, UnionMobile, and Union360.
  • Customised clearing cheque book for your business needs.
  • Open to all registered businesses.
  • Access business advisory programs and seminars to support your growth.
  • Enjoy discounted αlpher loans and exclusive health service promotions.
Account Opening Requirements
  • Certificate of Incorporation
  • Memorandum and Articles of Association (MEMART) (For Limited Liability Company)
  • Statement of Share Capital and Return of Allotment of Shares(CO2) (For Limited Liability Company)
  • Particulars of the Directors (CO7) (For Limited Liability Company)
  • Application form for registration of business name (enterprise only)
  • Certificate of registration (enterprise only)
  • Valid means of identification(National ID, Voters Card ,Driver’s License or International Passport )
  • BVN of all the signatories and any shareholder that has shareholdings above 5% (Limited companies only)
  • Tax Identification Number(TIN)
  • 2 references
  • SCUML(where applicable)
  • Utility bill

Union Enterprise Account

For businesses that operate at scale, efficiency, flexibility, and seamless transactions are key. The Union Enterprise Account is designed for established businesses that require robust banking solutions with premium benefits.

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Features & Benefits

 

  • Flat Account Maintenance fee of ₦1,000 for businesses with up to ₦25,000,000 debit turnover.
    • Account Maintenance fee of ₦1 per mille applies on debit turnover above ₦25,000,000.
    • Enjoy Zero AMF for businesses with less than ₦2,000,000 debit turnover.
    • Opening balance: ₦20,000
    • Minimum operating balance: ₦5,000
    • Customised clearing cheque book for business transactions.
    • Open to all registered businesses.
    • Non‑borrowing account for disciplined financial management.
    • Access to business advisory programs and seminars to support growth.
    • Enjoy αlpher health service promotions.
    • 24/7 digital banking through UnionOnline, UnionMobile, and Union360.
Account Opening Requirements
  • Certificate of Incorporation
  • Memorandum and Articles of Association (MEMART) (For Limited Liability Company)
  • Statement of Share Capital and Return of Allotment of Shares(CO2) (For Limited Liability Company)
  • Particulars of the Directors (CO7) (For Limited Liability Company)
  • Application form for registration of business name (enterprise only)
  • Certificate of registration (enterprise only)
  • Valid means of identification(National ID, Voters Card ,Driver’s License or International Passport )
  • BVN of all the signatories and any shareholder that has shareholdings above 5% (Limited companies only)
  • Tax Identification Number(TIN)
  • 2 references
  • SCUML(where applicable)
  • Utility bill
SME Account

Regular Business Account

Running a business requires a banking partner that offers ease, flexibility, and reliability. The Union Bank Regular Business Account is designed for small and medium-sized businesses that need seamless daily transactions, affordable banking, and easy access to financial support.

Features & Benefits
  • Available for all registered businesses
  • Opening balance of ₦20,000
  • Enjoy unlimited maximum debit turnover
  • Account maintenance fees applies on the monthly debit turnover.
  • Customised clearing cheque book
  • 24/7 digital banking with UnionOnline, UnionMobile, and Union360
  • Access to business advisory programs / seminars
Account Opening Requirements
  • Certificate of Incorporation
  • Memorandum and Articles of Association (MEMART) (For Limited Liability Company)
  • Statement of Share Capital and Return of Allotment of Shares(CO2) (For Limited Liability Company)
  • Particulars of the Directors (CO7) (For Limited Liability Company)
  • Application form for registration of business name (enterprise only)
  • Certificate of registration (enterprise only)
  • Valid means of identification(National ID, Voters Card ,Driver’s License or International Passport )
  • BVN of all the signatories and any shareholder that has shareholdings above 5% (Limited companies only)
  • Tax Identification Number(TIN)
  • 2 references
  • SCUML(where applicable)
  • Utility bill

Clubs & Associations

Savings account for unregistered clubs, associations and societies with attractive interest rates. Registered clubs & associations can open and enjoy any of the other business accounts.

Features & Benefits
  • Opening balance of N20,000
  • Available to unregistered clubs and associations only
  • Minimum balance of N5,000
  • Enjoy Zero account maintenance fee
  • Non-borrowing account
  • Customised cheque book (not valid for clearing)
  • Access to business advisory programs/seminars
  • Earn credit Interest on account (30% of MPR if you withdraw less than 4 times a month)
  • 24/7 digital banking with Union Online, Union Mobile, and Union360
Account Opening Requirements
  • By-Law and Constitution
  • Minutes of Meeting (showing agreement to open an account with UBN)
  • 2 Passport photographs of each of the signatories
  • KYC documentation such as National ID or Driver’s License or International Passport
  • BVN is required for all the signatories to the account
  • 2 references
  • Utility bill

Fixed and Tenured Deposit

Your money should work as hard as you do. Invest your funds securely and enjoy competitive interest rates over a fixed period. Whether you’re saving for the short term or planning for the future, this account ensures your money grows.

Features & Benefits
  • Minimum deposit of ₦100,000
  • Minimum tenor of 30 days
  • Automatic roll-over of deposit 
  • Guaranteed returns
Account Opening Requirements
  • Means of identification (National ID, International Passport or Driver’s License)
  • Utility Bill of Applicant (Water Rate, Tenement, Rent Receipt or Power)
  • Two passport sized photographs of Applicant