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
  • As low as zero monthly maintenance fees because every Naira counts.
  • Send and receive money without limits.
  • 24/7 digital banking with UnionOnline, UnionMobile, and Union360
  • Opening balance of ₦20,000
  • Customised clearing cheque book
  • Available for all registered businesses
  • Withdraw to zero balance and even overdraw account
  • Access to business advisory programs / seminars
  • Access to αlpher loans (discounted) & health service promos
  •  ₦500,000 balance attracts zero account maintenance fee
  • Unlimited maximum debit turnover
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

Small & Growing 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
  • As low as zero monthly maintenance fees because every Naira counts.
  • Send and receive money without limits.
  • 24/7 digital banking with UnionOnline, UnionMobile, and Union360
  • Opening balance of ₦20,000
  • Customised clearing cheque book
  • Available for all registered businesses
  • Withdraw to zero balance and even overdraw account
  • Access to business advisory programs / seminars
  • Access to αlpher loans (discounted) & health service promos
  •  ₦250,000 balance attracts zero account maintenance fee
  • Unlimited maximum debit turnover
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
  • ₦1,000 flat account maintenance fee
  • Opening balance of ₦20,000
  • Minimum balance of ₦5,000
  • Customised clearing cheque book
  • Available for all registered businesses
  • Zero AMF for debits less than ₦2million
  • Non-borrowing account
  • Access to business advisory programs / seminars
  • Access to αlpher health service promos
  • Monthly debit limit of ₦25million
  • 24/7 digital banking with 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 N20,000
  • Unlimited maximum 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

Union Club & Association Account

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 ₦20,000
  • Available to unregistered clubs and associations only
  • Minimum balance of N5,000
  • Zero account maintenance fee
  • Non-borrowing account
  • Customised cheque book (not valid for clearing)
  • Access to business advisory programs/seminars
  • Earn Interest on account (if you withdraw less than 4 times a month)
  • 24/7 digital banking with UnionOnline, UnionMobile, 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