Mortgage transition

Any payments made on or after the transition date, May 1, should be made to U.S. Bank. Please note, some payment channels may have limited availability during the transition period, but you will not be charged late fees.

• Mailed payments – Continue mailing payments to Union Bank until April 30. Starting May 1, payments should be mailed to U.S. Bank at the address included on your first U.S. Bank billing statement.


• Automatic payments – If you make monthly automatic payments to Union Bank, that service will transfer to U.S. Bank. If you’d like to update the source of your automatic payments, please do that with Union Bank prior to April 28. If your automatic payment is scheduled during the conversion period, it may be delayed three to five business days. The payment will post once accounts are live on U.S. Bank systems, and you will not be charged late fees.


• Bill-pay service – If you currently make your payment through a bill-pay service, please update the payment address and the account number (if it changes) to the new address that can be found on your U.S. Bank billing statement.


• One-time electronic payment – If you currently schedule your payment each month through the Union Bank mobile app or online banking, your final one-time payment to Union Bank can be paid until April 28. Starting May 3, one-time payments can be made the same day or scheduled for a future date using the U.S. Bank Mobile App or online banking.

For additional information about U.S. Bank payment options, refer to the payment FAQ or your first U.S. Bank billing statement.

Automatic payments will be processed on the payment due date. If your payment is due on a weekend or holiday, it will be processed the next business day.

If you use automatic payments and your mortgage account is paid ahead, Union Bank does not currently process a payment for the current month, due to your paid-ahead status. Once your account transitions to U.S. Bank, your regularly scheduled payment will process each month, even if you’re paid ahead.

Your first U.S. Bank billing statement will be mailed to the address that is on file with Union Bank. To ensure your statement goes to the right place, please verify your address with Union Bank and update if needed before April 28.

Once your account transitions to U.S. Bank, your statement will generate by the 16th of each month. Once your account moves to U.S. Bank, you’ll have the option to sign for in e-statements so you can access your billing statement online.

Yes, your payment history and past statements will be available once account transition is complete.

Fees may look different than what you’re used to at Union Bank, but we don’t anticipate those changes to be substantial. Please refer to our current fee schedule for more information.

The majority of account numbers won’t change. However, a few select accounts could be impacted. If that occurs to your account, we will communicate with you directly.

Starting May 3, you’ll be able to create your U.S. Bank mobile or online banking account and see your loan or line of credit information on U.S. Bank digital platforms. To prepare, text “GET APP” to 872265, and we’ll send you a link to download our mobile app.

Please note: Because mortgage accounts are transitioning earlier than Union Bank deposit, loan, and line of credit accounts, you’ll only be able to see your mortgage account in U.S. Bank digital platforms. Any other accounts you may have with Union Bank will still be visible on the Union Bank digital platforms until those accounts transition to U.S. Bank.

You’ll have limited access to your account information from April 29 through May 2 while mortgage accounts are actively transitioning to U.S. Bank. Any payments made during this time will be held and processed once accounts are live on U.S. Bank systems, and you won’t be charged late fees.

In general, your accounts will automatically transition at the designated times, and there’s no action you need to take to initiate this process. However, for easier onboarding to U.S. Bank after your accounts move, there are a few things you can do to prepare.

• Verify your address on file at Union Bank. The address you have on file is where all important U.S. Bank communications will be sent. If that address is incorrect or you prefer to receive your information elsewhere, please update your address before April 28 so we can be sure to reach you.


• Make sure your mobile number is on file at Union Bank. Once your accounts transition to U.S. Bank, you’ll be able to sign up for U.S. Bank mobile and online banking. If you sign up to view your mortgage before your other accounts have transitioned to U.S. Bank, additional verification will be required before your other accounts appear online. Additional verification is completed via a one-time passcode sent to your mobile device.


• Verify your automatic payment information. If your payment is drafted each month by Union Bank, that service will transition to U.S. Bank along with the rest of your account details. If you’d like to update the source of your automatic payment, please do that with Union Bank by April 28.