Mr. Sharma, 70, went to his neighbourhood Union Bank of India branch on a scorching afternoon in New Delhi to pick up his account statement. He understood he required a complete statement after inserting his debit card at the ATM and retrieving a tiny statement with his previous 10 transactions.

After noticing his confusion, a bank employee helped him figure out how to access his statement from home. He clarified that Mr. Sharma may get a full PDF summary using the Vyom mobile app, receive a balance update by missed call at 09223008586, or use SMS banking by messaging "UMNS" to 09223008486. He might also go to "Account Statement," click on it, and download it in CSV, Excel, or PDF format via Union Bank's online banking page.

Thankful for this guidance, Mr. Sharma realised that banking had become much easier than he had anticipated when he downloaded the Vyom app at home and quickly obtained his statement.

How to Get a Union Bank Statement?

Online Methods:

1. Internet Banking (Accessing Statements):

Log in to your account.
You need to go to the 'Accounts' or 'Account Summary' section.
Select 'Account Statement.'
Specify the desired date range and download the statement in your preferred format.

2. Mobile Banking via Union Bank of India Vyom App:

Download the 'Vyom' app from the Google Play Store.
Register using your account details and set up a 4-digit PIN.

3. Accessing Statements:

Log in to the app.
Go to 'mPassbook.'
Select your account number.
Use the 'Advanced Option' to choose the statement period.
Download the statement in PDF format.

4. WhatsApp Banking:

Registration:

Save the number 9666606060 to your contacts.
Send 'Hi' via WhatsApp from your registered mobile number.
Follow the prompts to complete the registration.

Accessing Statements:

After registration, send the 'Account statement' message to the chat.
Follow the instructions to receive your statement.

Offline Methods:

1. Branch Visit:

Visit your nearest Union Bank of India Branch.
Request an account statement for your desired period.
You may need to fill out a request form and provide identification.

2. ATM:

Insert your Union Bank ATM card and enter your PIN.
Select the ‘Mini Statement’ option to view recent transactions.
For a detailed statement, visiting a branch or using online methods is recommended.

3. SMS Banking:

From your registered mobile number, send ‘UMNS’ to 09223008486.
You will receive an SMS with your recent transaction details.

Additional Information:

E-Statements: Union Bank of India provides e-statements via email. You need to ensure your email ID is registered with the bank to receive periodic statements directly in your inbox.

Read More – Union Bank Mini Statement
Password-Protected PDFs: Downloaded statements are often in password-protected PDF format. The default password typically combines the first four letters of your name (in uppercase) and your date and month of birth (DDMM). For example, if your name is Rohit Sharma and your birthdate is November 22, your password would be ‘ROHI2211’.

Steps to Download the Union Bank Statement Online

Step 1: Open Google Chrome and type the official website of Union Bank of India in the search bar: https://www.unionbankofindia.co.in.

Step 2: Once you land on the official website, choose to download the statement via Mobile Banking or Net Banking based on your preference.

Step 3: If you select Net Banking, click on the "Net Banking" option. Log in to your account using your User ID and Password, complete any additional verification if prompted, and click "Login".

Step 4: After logging in, click on the image or icon shown for account services, enter your transaction password, and click "Login" again.

Step 5: Go to ‘Accounts’ > ‘Balance and Transfer Info’, then select ‘Operative Account’. A new page will open displaying your account details, including Account Number, Account Holder's Name, Account Type (e.g., Savings Account), and other relevant information.

Step 6: Scroll down to find the ‘View Statement’ option. Click on it, and a new page will appear. Here, you can fill in the following details:

Account Name- Rajesh Kumar
Date From and Date To (in DD/MM/YYYY format) or select ‘Transactions for’ to choose the desired period.
Amount Type: Select Credit or Debit based on your need.

Step 7: After filling in the required details, click ‘Search’. Your account transactions will be displayed. To download the statement, click on the ‘Download’ button and select PDF format.

Understanding the Union Bank Statement

Account Details: The account details provide essential information about your account, including:

Account Holder’s Name: Your full name as registered with the bank.
Account Number: A unique identifier for your account.
Branch Name and Code: The specific branch where your account is maintained.

For example:

Account Holder’s Name: Priya Sharma
Account Number: 12345678xxxx
Branch Name and Code: Mumbai Central Branch, BR00123

Transaction History: This section lists all financial activities within a specified period, detailing:

Date: When the transaction occurred.
Description: Details about the transaction, such as merchant names or transaction types.
Debit/Credit Amount: The exact amount debited from or credited to your account.
Balance: Your account balance after each transaction.

For Example:

Date	Description	Debit/Credit Amount	Balance
2025-03-20	Salary Credit from ABC Pvt. Ltd.	+₹50,000 (Credit)	₹1,00,000
2025-03-21	UPI Payment to Rahul Sharma (UPI ID: rahul@upi)	-₹2,000 (Debit)	₹98,000
2025-03-22	ATM Withdrawal at HDFC ATM	-₹5,000 (Debit)	₹93,000
2025-03-23	Online Purchase at Amazon India (Order #123456)	-₹3,000 (Debit)	₹90,000
2025-03-24	NEFT Transfer to XYZ Ltd. (Ref #789012)	-₹10,000 (Debit)	₹80,000

Available Balance: This reflects the funds currently accessible in your account, considering.

Total Balance: The sum of all funds in your account.
Available Balance: The portion of your total balance that is free for immediate use, excluding any holds or pending transactions.

For Example:

Total Balance: ₹1,00,000
Available Balance: ₹90,000
Cleared Funds: ₹85,000 (fully processed and available)
Uncleared Deposit: ₹15,000 (pending cheque clearance)
Pending Transactions: ₹10,000 (e.g., UPI payments or card transactions on hold)

Charges and Deductions: This section outlines any fees or deductions applied to your account, such as:

Service Charges: Fees for the account maintenance or specified services.
Transaction Fees: Charges for particular transactions, like demand drafts or NEFT/RTGS transfers.
Penalties: Deductions for not maintaining the required minimum balance.

For Example:

Date	Description	Charge Type	Amount	Reason
2025-03-25	Monthly Account Maintenance Fee	Service Charge	₹200	Fee for maintaining the savings account
2025-03-26	NEFT Transfer to ABC Ltd. (Ref #456789)	Transaction Fee	₹25	Charge for processing NEFT transfer
2025-03-27	Penalty for Non-Maintenance of Minimum Balance	Penalty	₹500	Deducted for falling below the minimum balance requirement

Union Bank Mini Statement vs. Full Statement

Mini Statement: It provides an overview of your account’s recent activity, typically detailing the last five transactions, including debits and credits from various channels like debit/credit cards, NEFT, RTGS, IMPS, and UPI.

Access Methods:

Missed Call: Dial 09223008586 from your registered mobile number; the call will disconnect automatically, and you will receive an SMS with your recent transactions.
SMS: Send ‘UMNS’ to 09223008486 from your registered mobile number to receive your mini statement.
Mobile Banking: Use the Union Bank’s mobile banking app to view your mini statement.
ATM: Visit any Union Bank ATM, insert your debit card, enter your PIN, and select the ‘Mini Statement’ option to print your recent transactions.

It is ideal for quickly reviewing recent account activities without accessing a comprehensive account history.

Full Account Statement: It offers a full record of all transactions over a specified period, including detailed information about each transaction, such as date, description, amount, and resulting balance.

Access Methods:

Internet Banking: Log in to UBI’s Internet Banking portal, go to the ‘Accounts’ section, and select ‘Account Statement’ to view or download your full statement.
Branch Visit: Visit your home branch to request a printed copy of your account statement.

It is useful for in-depth financial analysis, tax preparation, loan applications, or reconciling your financial records.

Union Bank Statement Common Issues & Troubleshooting

If you have forgotten your User ID or Password, follow these steps to recover access:

For Users with a Debit Card:

Visit the Union Bank Internet Banking website.
Click on “Forgot/Reset Password” and select the option for users with a debit card.
Enter the required details (User ID, Account Number, Debit Card Information).
Follow the instructions to reset your password.

For Users without a Debit Card:

On the same portal, select “Forgot/Reset Password” and choose the option for users without a debit card.
Provide your User ID, Account Number, and details of a recent transaction.
Complete the process as instructed to reset your password.

If you forgot your User ID:

Click on “Know Your User ID” on the login page and follow the steps to retrieve it.

Unable to Download Account Statements:

If you are having trouble downloading your account statement, try these solutions:

From Internet Banking:

Log in to the Internet Banking Portal.
Go to the “Accounts” section and select “Account Statement.”
Choose the required date range and preferred format (PDF/Excel).
If the download does not start, ensure your browser allows pop-ups and check your internet connection.

From the Mobile Banking App:

Open the Union Bank Mobile Banking App and go to “Account Details.”
Select “Account Statement” and choose the date range.
If the issue persists, update the app to the latest version.

Not Receiving Email Statements:

In case you are not receiving your monthly email statement.

Ensure your email address registered with the bank is correct.
Update your email through Internet Banking under the “Profile” or “Personal Details” section, or visit your nearest branch.
Sometimes, email statements may land in spam/Junk folders. Mark them ‘Not Spam’ to ensure future emails arrive in your inbox.
Log in to Internet Banking and check whether email statements are activated under the notification settings.

Unable to Download Account Statements

From Internet Banking:

Tip: Clear your browser cache if the download button isn’t responding.
Extra Tip: Try using a different browser (like Chrome or Firefox) if issues persist.

Also Read - Union Bank Net Banking

From the Mobile Banking App:

Tip: Ensure the app has the necessary permissions enabled (like storage access) to download files.
Extra Tip: If the app is outdated, update it through the Play Store or App Store.

Not Receiving Email Statements

Tip: Confirm your registered email is correct by checking under “Profile” or “Personal Details” in Internet Banking.
Extra Tip: If emails are going to spam, mark them as “Not Spam” and add the bank’s email to your contacts.
Advanced Tip: Add Union Bank’s official email address (e.g., noreply@unionbankofindia.com) to your email’s safe sender list to avoid future issues.

General Troubleshooting Tips

Check Internet Connection: A slow or unstable connection can cause issues with login, downloads, or transactions.
Update App & Browser: Always keep your mobile app and browser updated to the latest versions.
Clear Cache & Cookies: This helps fix bugs or slow loading issues, especially with Internet Banking.
Restart Your Device: Sometimes, simply restarting your phone or computer can solve minor technical glitches.
Secure Your Account: Enable two-factor authentication (2FA) for added security, especially when accessing sensitive information.

When to Contact Customer Support:

If you still face issues after trying the above steps.
For complex problems like failed transactions, uncredited deposits, or security concerns.
Customer Care Numbers: 1800-22-22-22 or visit your nearest branch for in-person assistance.

Conclusion

To properly manage your finances, you must regularly analyse your Union Bank of India account statement. It facilitates precise record-keeping, transaction tracking, and the detection of unauthorised activity.

Internet Banking, the Vyom mobile app, mPassbook, WhatsApp Banking (9666606060), SMS Banking (message 'UMNS' to 09223008486), and Missed Call Service (09223008586) are some of the ways that Union Bank provides access to statements. You can maintain account security and be informed about your financial actions by utilising these services.

Frequently Asked Questions Related to Union Bank Statement

Q. How do I get my Union Bank mini statement?

To get the Union Bank mini statement, either log into your Union Bank account or text 09223008486 from your registered cell number.

Q. How do I receive the Union Bank of India Mini Statement by SMS?

For your mini statement to be sent to you via SMS, send 'UMNS' to 09223008486 from the registered mobile number. The details of your most recent transaction will then be sent to you by text message.

Q. How can I obtain my Union Bank bank statements for the last six months?

To view and download the last six months' worth of bank statements, log into your Union Bank account and select a date range.

Q. Is there a limit or bar on the number of inquiries that can be made through the app in a given day or month?

No, there isn't a cap on how many questions can be sent in via the app in a given day or month.

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