Features & Services
Discover our comprehensive suite of banking products and services designed to help you achieve your financial goals at every stage of life.
Personal Banking
Banking That Works for You
Our personal banking solutions are designed to simplify your financial life with intuitive tools, competitive rates, and exceptional service.
- No monthly fees
- Free overdraft protection
- Unlimited transactions
- Mobile check deposit
- 4.5% APY interest
- No minimum balance
- Auto-save features
- Goal-based savings
- Up to 5% cashback
- No annual fee options
- Fraud protection
- Instant virtual cards
- Auto-pay scheduling
- Payment reminders
- E-bill delivery
- Payment history
Business Banking
Power Your Business Growth
From startups to enterprises, our business banking solutions provide the tools and support you need to manage cash flow, accept payments, and scale operations.
- Multi-user access
- Bulk payments
- API integration
- Dedicated support
- Low transaction fees
- Same-day deposits
- Payment terminals
- Online payments
- Auto tax filing
- Direct deposit
- Employee portal
- Compliance tools
- Cash flow analysis
- Expense tracking
- Custom reports
- Forecasting tools
Loans & Credit
Flexible Financing Solutions
Whether you are buying a home, financing a car, or need funds for personal projects, our competitive loan products offer flexible terms and quick approvals.
From 5.99% APR
Competitive mortgage rates with flexible terms for buying, refinancing, or renovating your home.
- Fixed & adjustable rates
- First-time buyer programs
- Refinancing options
- Pre-approval in minutes
From 4.49% APR
Finance your new or used vehicle with low rates and flexible repayment terms.
- New & used vehicles
- Refinancing available
- No prepayment penalty
- Quick approval
From 6.99% APR
Unsecured personal loans for debt consolidation, major purchases, or unexpected expenses.
- No collateral needed
- Fixed monthly payments
- Funds in 24 hours
- Flexible terms
From 4.99% APR
Invest in education with competitive student loan rates and flexible repayment options.
- In-school deferment
- Grace periods
- Income-based repayment
- Parent PLUS loans
Investment Services
Grow Your Wealth with Confidence
Build long-term wealth with our comprehensive investment solutions, from self-directed trading to fully managed portfolios.
- Professional management
- Diversified portfolios
- Rebalancing
- Tax optimization
- Traditional & Roth IRA
- 401(k) rollovers
- Pension planning
- Social Security optimization
- Zero commission trades
- Real-time quotes
- Research tools
- Mobile trading
- Dedicated advisor
- Estate planning
- Trust services
- Tax strategies
Digital Banking
Banking at Your Fingertips
Experience seamless digital banking with our award-winning mobile app and online platform.
Mobile Banking App
Full-featured mobile banking with Touch ID, Face ID, and advanced security features.
Smart Notifications
Real-time alerts for transactions, low balances, bill due dates, and suspicious activity.
Biometric Security
Secure your account with fingerprint and facial recognition authentication.
QR Payments
Send and receive money instantly by scanning QR codes with your mobile device.
Spending Insights
AI-powered spending analysis and budgeting recommendations to optimize your finances.
Instant Transfers
Transfer money between accounts or to other banks instantly, 24/7/365.
Account Plans
Choose the Right Plan for You
Whether you are an individual or a business, we have a plan that fits your needs.
- Fee-free checking account
- Standard savings account
- Mobile & online banking
- Debit card included
- 24/7 customer support
- Up to 5 free ATM withdrawals/month
- Everything in Basic
- High-yield savings (4.5% APY)
- Unlimited free ATM withdrawals
- Premium credit card
- Investment account access
- Priority customer support
- Free wire transfers
- Overdraft protection
- Everything in Premium
- Multi-user access
- Payroll services
- Merchant account
- Business analytics dashboard
- Dedicated account manager
- API access
- Bulk payment processing
Ready to Get Started?
Join millions of satisfied customers who trust TerraCrest Union for their banking needs.