To check a Union Bank balance, a customer can use multiple reliable methods including online banking, mobile apps, ATMs, or SMS banking. The easiest and quickest way is often through Union Bank’s mobile app or internet banking platform by logging in with valid credentials. This provides instant access to account details without needing to visit a branch.
Many customers also prefer using the ATM to check their balance by inserting their card and selecting the balance inquiry option. Alternatively, sending a specific SMS code to Union Bank’s designated number can deliver balance information directly to the user’s phone.
These methods are designed to offer convenience and flexibility, allowing account holders to monitor their finances anytime, anywhere. Users can choose the option that best fits their lifestyle and needs.
Different Methods to Check Union Bank Balance
There are several specific ways to check the Union Bank balance, each designed for convenience and accessibility. These methods range from using simple SMS commands to more advanced internet and mobile applications.
Checking Balance via SMS
To check Union Bank balance via SMS, the account holder must have registered their mobile number with the bank. They send a specific keyword to the bank’s designated number, usually “BAL” to 9779800002. This service works without an internet connection and provides instant balance information.
For example, the customer sends:
BAL to 9779800002
The response SMS will show the current account balance and last transaction details. It is important to ensure the mobile number is registered; otherwise, the bank will not process the request.
Using Union Bank Mobile Banking App
Union Bank offers a dedicated mobile banking app named Union Bank Mobile Banking available on Android and iOS. After logging in with the registered user ID and password, the user can view their account balance quickly on the dashboard.
The app also enables fund transfers, bill payments, and mini statements. Users must download and activate the app by registering with their bank details and ATM/debit card information for security.
Internet Banking Balance Enquiry
Union Bank customers can access their account details via the bank’s official internet banking portal. After secure login with user ID and password, the balance is clearly displayed in the account summary section.
Users can also download account statements and perform transactions online. This method requires prior online banking registration and an active internet connection.
Missed Call Banking Service
Union Bank customers can check their balance by giving a missed call to a specific bank number, typically 09223766666. After the missed call, they receive an SMS with the current account balance and recent transactions.
This service is free, easy to use, and requires a registered mobile number linked to the account. It is a quick alternative to check balance without logging into apps or websites.
The methods mentioned for Union Bank are similar to those used by Canara Bank and Bank of Baroda, where SMS, mobile apps, internet banking, and missed call services are standard tools for balance inquiry.
Checking Union Bank Balance at Branch and ATM
Union Bank customers can check their account balance through direct, offline methods that do not require internet access. These include visiting a branch or using an ATM, both of which provide quick access to balance information.
Visiting a Union Bank Branch
To check the balance at a branch, the customer needs to visit the nearest Union Bank office. They must carry valid photo identification and their passbook or account number for verification.
At the counter, the customer can request a balance inquiry. A bank representative will provide the current balance either through a printed statement or by updating the passbook. This method is useful for those who prefer personal assistance or need additional bank services.
Union Bank is one of the 12 major nationalized banks in India, offering extensive branch networks across the country, making it convenient to access in-person support.
Using an ATM for Balance Enquiry
Union Bank customers can insert their debit card into any Union Bank or authorized ATM to check their balance. After entering the PIN, they should select the “Balance Enquiry” option from the menu.
The ATM will display the account balance on the screen, and customers usually have an option to print a transaction receipt showing the current balance. This method is fast, available 24/7, and does not require interaction with bank staff.
ATMs are widely available across India, including locations outside Union Bank branches, providing easy access to balance details anytime.
Union Bank Balance Check Without Internet
Union Bank customers can easily check their account balance without using the internet. Two common methods involve using USSD codes or contacting customer care directly. Both options are quick and practical for those without access to online services.
Balance Enquiry through USSD Code
To check the Union Bank balance via USSD, the customer dials a specific code on their phone. The code is *826# for most Union Bank customers. After dialing, a menu appears where the customer selects the balance enquiry option by entering the corresponding number.
The service works on any mobile phone, including basic feature phones. There is no need for internet or smartphone apps. A registered mobile number linked to the account is required to receive the balance information as an SMS instantly.
Charges for the USSD service may vary depending on the customer’s mobile operator. This method is one of the fastest ways to get updated balance details without needing data or a bank branch visit.
Calling Union Bank Customer Care
Customers can also check their balance by calling Union Bank customer care. The general customer care number is 0700 825 826 or 200 from a Union Bank line. After connecting, an automated system or bank representative assists with balance details.
The caller must provide account verification information such as account number or registered phone number. This ensures security before disclosing any account information.
This method works anytime and is useful for those who prefer talking to a representative or need additional assistance. No internet or special app is necessary, making it accessible to all Union Bank clients.
How to Register for Union Bank Balance Enquiry Services
Registration for balance enquiry services requires linking your mobile number with your bank account and setting up internet banking if you prefer online access. These steps ensure that account details are accessible through various channels securely.
Mobile Number Registration Process
To use balance enquiry via SMS or missed call, the customer must register their mobile number with Union Bank. This can be done by visiting the nearest branch with valid ID and account details. The bank updates the registered mobile number in their system to enable SMS alerts and missed call services.
If already registered, the customer can verify the number by sending an SMS in the format specified by the bank or making a missed call to the bank’s number. The registered mobile number must be linked to the account to receive balance updates. This service often requires no additional charges.
Setting Up Internet Banking Credentials
For internet banking access, the customer needs to visit the Union Bank website and select ‘New User Registration.’ Enter the account number, branch code, and registered mobile number to receive an OTP for verification. After verification, create a username and password as per the bank’s security guidelines.
Union Bank may require the customer to set up additional security features like transaction passwords or security questions. Customers can check the customer ID on bank statements or passbooks, similar to how it is found in HDFC Bank, for filling in details during registration. Internet banking ensures easy balance enquiry along with other online services.
Troubleshooting Common Issues in Balance Checking
Issues in checking a Union Bank balance typically arise from login failures or network-related problems. Addressing these quickly ensures uninterrupted access to account information.
Resolving Login Problems
When users cannot log in, the first step is verifying their username and password. Forgotten credentials should be reset using the bank’s official password recovery options.
If multiple login attempts fail, the account may be temporarily locked. Contacting Union Bank customer service or visiting a branch can unlock the account.
Users should confirm that their registered mobile number or email is active for receiving OTPs (One-Time Passwords). Incorrect or outdated contact details can prevent successful verification.
Using outdated app versions may also cause login errors. Updating the Union Bank app from official stores resolves compatibility problems.
Network and App Issues
Poor internet connection is a common barrier to checking balances, especially when using the app or internet banking portals. Switching to a stable Wi-Fi or data network usually fixes the problem.
Clearing the app cache or reinstalling the Union Bank app can solve glitches that block balance display.
Union Bank supports Direct Bank Transfer (DBT) and related transactions. Any delay in updating balances due to DBT processes can appear as app errors but typically resolve within a few hours.
Users should ensure firewall or antivirus settings on their devices are not blocking the app’s functionality. Temporarily disabling such protections can help identify this issue.
Safety Tips When Checking Your Union Bank Balance
Checking a Union Bank balance requires cautious handling of personal data and secure access methods. Users should be aware of common digital threats and protect sensitive account details to prevent unauthorized transactions.
Avoiding Phishing and Fraud
Phishing attempts often come as emails or messages pretending to be from Union Bank. Customers should verify sender addresses and avoid clicking on suspicious links or downloading attachments. Genuine bank communications usually do not request full passwords or PINs via email or SMS.
It is crucial to access Union Bank balance checks only through official websites or verified mobile apps. Avoid using free Wi-Fi networks when logging into the bank account to prevent interception of login credentials.
If a customer suspects fraudulent activity, they should immediately contact Union Bank’s official helpline instead of responding to suspicious messages. Reporting such incidents helps the bank take prompt precautions.
Protecting Account Information
Users should never share their online banking passwords, PINs, or OTPs with anyone. Keeping login credentials private reduces the risk of unauthorized access to the account.
Regularly updating passwords and enabling two-factor authentication adds an extra layer of security. Using complex passwords and changing them periodically helps guard against hacking attempts.
While managing accounts, it is also advised to log out from Union Bank’s portal once the session is complete. This prevents others from accessing the account, especially on shared or public devices.
Though unrelated directly to Union Bank, knowing how to close accounts at other banks like Axis Bank or HDFC Bank online can enhance overall financial security by limiting unused accounts that might be vulnerable.
Additional Services and Banking Information
Union Bank offers several tools and information useful for customers managing their accounts and banking activities. Effective use of these services can simplify day-to-day banking tasks and improve financial control. They also operate within the framework of nationalized banks, which affects service rules and policies.
Union Bank Balance Alert Services
Union Bank provides balance alert services that notify customers via SMS or email whenever their account balance changes significantly. Users can opt for alerts on low balances, credits, and debits to monitor their funds closely. This service helps prevent overdrafts and unauthorized transactions by keeping customers informed in real time.
To activate balance alerts, customers can visit the nearest branch or use the bank’s internet banking platform. There may be nominal charges for SMS alerts, depending on the type of account and alert frequency. This service supports both savings and current account holders.
Understanding Nationalised Banks
Union Bank is a nationalised bank, meaning it is owned and operated by the government. This designation ensures the bank follows strict regulatory standards set by the Reserve Bank of India and often involves government-backed schemes and financial inclusion programs.
Nationalised banks observe specific guidelines, such as mandated bank holidays on certain Saturdays, especially the second and fourth Saturdays of the month. These banks also require customers to complete formalities like Aadhaar linking for account verification and compliance, which strengthens security and access to government benefits.
For career aspirants, becoming a bank manager in a nationalised bank like Union Bank involves passing competitive exams, gaining relevant experience, and understanding banking regulations thoroughly. These roles are critical in managing branch operations and customer service.