FDIC-Insured - Backed by the full faith and credit of the U.S. Government
This routing number applies to the following branch locations:
This routing number applies to the following branch locations:
Please use the correct routing number when setting up direct deposits, electronic payments, or wire transfers.
If you’re unsure which routing number applies to your account, contact your local branch for assistance.
Instructions for wires sent within the US:
Bank Name: Unico Bank
Bank Routing Number: 081910436
Beneficiary Name: Unico Bank Customer’s Name
Beneficiary Address: Unico Bank Customer’s Address
Beneficiary Account: Unico Bank Customer’s Account Number
We accept and process all incoming wires received prior to the close of each business day.
Outgoing wire received prior to 3pm will be processed the same business day. Wires received after 3pm may be processed on the following business day.
Please refer to our fee schedule for fees related to wire services.
The standard FDIC deposit insurance coverage is $250,000 per depositor, per insured bank, for each account ownership category.
This may include the following:
Calculating the amount of coverage, you have or need an be a bit confusing so the FDIC created EDIE. EDIE is the Electronic Deposit Insurance Estimator which lets consumers and bankers know, on a per-bank basis, how the insurance rules and limits apply to a depositor’s specific group of deposit accounts. It will show you what is insured and what portion (if any) exceed coverage limits at the bank. You can also print the report for your records.
Calculate your coverage now.
The following fees may be assessed against your account and the following transaction limitations, if any, apply to your account:
| Client Services | |
|---|---|
| Account Research | $30.00 per hour |
| Cash Advances |
Customer – FREE
Non-Customer – $10.00
Non-Customer Tax Refund – 5% of advance amount, minimum of $5.00
|
| Cashier’s Checks – Customers Only | $6.00 per check |
| Change Order |
Customers – FREE
Non-Customers – 5% of total change order
|
| Check Cashing |
Non-Customer Payroll or On-Us Items – $5.00 per check
Non-Customer Tax Refund Checks – 5% of the item, minimum of $5.00
|
| Collection Items | $20.00 – Per Item Collected |
| Fax |
Outgoing, First Page – $5.00
Outgoing, Each Additional Page – $3.00
Incoming Per Page – $1.00
|
| Foreign Currency |
$12.50 – Per Order
$17.50 – Per Order with Rush Shipping
|
| Money Orders |
Customers – $2.00 per money order
Non-Customers – $3.00 per money order
|
| Notary Service – Customers Only (where available) | FREE |
| Photocopies | $0.25 per page |
| ATM/Debit Cards | |
|---|---|
| Hot Card | $15.00 |
| Hot Card & Reissue |
$20.00
|
| Hot Card (Abroad) | $80.00 |
| Money Pass ATM Withdrawal (includes Unico Bank ATMs) |
FREE
|
| Non-Money Pass Foreign ATM Withdrawal |
$1.00 per transaction – Not including per transaction
fees assessed by the ATM owner |
| Replacement Cards | $5.00 |
| Replacement PIN Number |
$2.00
|
| Rush Fee (If Card is Mailed) |
$10.00
|
| Daily Card Limits | |
|---|---|
| ATM Only Card | $210.00 Cash Withdrawal Only |
| Consumer and/or Business Debit Card |
$1,500.00 Point of Sale Transactions
$510.00 Cash Withdrawal $2,010.00 Combined Limit |
| HSA Debit Card | $505 Point of Sale Transations $255.00 Cash Withdrawal $760.00 Combined Limit |
| Minor Account Holder Debit Card |
$505 Point of Sale Transations
$255.00 Cash Withdrawal $760.00 Combined Limit |
| Account Services | |
|---|---|
| Check Printing Fees | Temporary Counter Checks – $1.00 per sheet of 4 Check Orders – vary by style of checks ordered. |
| Copy of Cancelled Check or Deposit |
$2.00 per copy
|
| Deposit Return Item – Per Item Returned | $5.00 – Consumer $7.50 – Commercial |
| Dormant Account Fees |
$5.00 per month
An account is considered dormant if you have no other active checking or savings accounts and for the previous 6 months there has been not activity or other indication in writing from you of an interest in this account AND the checking account balance is under $500.00
|
| Early Account Closing Fee |
$50.00 – Within 1 Month of Open Date
$25.00 – Within 2-6 Months of Open Date |
| Garnishment |
Greater of 2% or $8.00
|
| Statement Reprint |
$5.00 per statement if statement requested is older than 12 months
|
| Stop Payment |
$30.00 per Item Stop payments cannot be placed on ATM transactions, debit card transactions, or items that have already been presented for payment
|
| Tax Levy |
$100.00
|
| Telephone Transfers |
$1.00 per transfer
|
| Online Banking/Mobile Banking/Telephone Banking | |
|---|---|
| Anytime Access Telephone Banking, 24 Hour Service | FREE |
| Mobile Banking – Unico Bank App |
FREE
|
| Mobile Deposit | Consumer – FREE Small Business – $25 per month for 10 transactions, $5.00 for each additional transaction |
| Online Banking |
FREE
|
| Online Bill Pay Service for Consumer and Small Business |
FREE
$9.95 – Rush Delivery ACH $14.95 – Rush Delivery Check |
| Business Online/Cash Management | |
|---|---|
| Basic Cash Management, Inquiry Only | $15.00 per month |
| Cash Management – including ACH Only | $35.00 per month |
| Cash Management – including Wires Only | $35.00 per month |
| Cash Management – including ACH & Wires | $50.00 per month |
| Cash Management – including Remote Deposit Capture | Coming Soon! |
| One-Time Setup Fee | $25.00 |
| Same Day ACH File Origination | $10.00 per file |
| Security Tokens |
First Token – FREE
Additional Tokens – $15.00
Replacement Tokens – $25.00
|
| Overdraft Charges | |
|---|---|
| If the actual ledger balance is negative $5.00 or less | $0.00 per item |
| If the actual ledger balance is negative $5.01 to $15.00 | $5.00 per item |
| If the actual ledger balance is negative $15.01 to $30.00 | $15.00 per item |
| If the actual ledger balance is negative $30.01 or more | $30.00 per item |
| Daily limit on overdraft fees | $300.00 per business day |
|
An overdraft charge may be assessed per item for covering overdrafts created by check, in-person withdrawal, automated clearinghouse (ACH) transactions, recurring and one-time debit card transactions, ATM withdrawals, electronic funds transfers, internet banking transfers, wire transfers, telephone transfers, and bill pay transactions regardless of whether that item has been previously presented and returned.
Note: For Consumer Accounts, we will not charge a fee for overdraft transactions created by ATM withdrawals or one-time debit card transactions if you have not
opted to allow Courtesy Pay funds to be made available for ATM withdrawals or “one-time” debit card transactions. |
|
| Return Item Charges | |
|---|---|
| If the actual ledger balance is negative $5.00 or less | $0.00 per item |
| If the actual ledger balance is negative $5.01 to $15.00 | $5.00 per item |
| If the actual ledger balance is negative $15.01 to $30.00 | $15.00 per item |
| If the actual ledger balance is negative $30.01 or more | $30.00 per item |
| Daily limit on return item fees for nonsufficient funds (NSF) transactions | $300.00 per business day |
|
Note: Payment transactions may be presented to us for payment multiple times and we do not monitor or control the number of times that a payment is presented to us for payment. We may charge you a return item fee each time the payment transaction is presented to us for payment, regardless of the number of times the payment transaction is presented as each such instance constitutes a separate NSF transaction.
*See the Terms and Conditions Account Addendum – Understanding and Avoiding Overdrafts and Return Item Fees for more details.
|
|
| Wire Transfer Fees | |
|---|---|
| Incoming Wire | $12.50 per wire |
| Outgoing Domestic Wires | $20.00 per wire |
| Outgoing Foreign Wires | $75.00 per wire |
| Safe Deposit Boxes (where available) | |
|---|---|
| 3×5 Box | $12.00 per year |
| 3×10 Box | $20.00 per year |
| 4×5 Box | $16.00 per year |
| 4.5×4.5 Box | $16.00 per year |
| 5×5 Box | $16.00 per year |
| 4.5×6 Box | $18.00 per year |
| 5×8 Box | $25.00 per year |
| 5×9.5 Box | $30.00 per year |
| 5×10 Box | $30.00 per year |
| 6×9.5 Box | $30.00 per year |
| 6×10 Box | $35.00 per year |
| 9×10 Box | $45.00 per year |
| 9.5×10 Box | $45.00 per year |
| 10×10 Box | $70.00 per year |
| 10×15 Box | $90.00 per year |
| 12×20 Box | $150.00 per year |
| Replacement Key | $35.00 |
| Drilling Fees | As Incurred |