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All Services


All Services

Universal Bank is committed to provide you with a suite of banking services to meet your financial and service needs.

We invite you to visit any one of our branches and speak with our friendly and knowledgeable relationship manager or call us at (888) 809-8282.

  • Allpoint® Kiosk ATM Network
  • Citibank Branch Locations Only
  • Safe Deposit Box
  • Visa® Debit Card
  • Visa® Credit Card (through Elan™ Financial Services)
  • ATM Card
  • Wire Transfers
  • 24/7 Automated Telephone Banking
  • Consumer or Business Mobile Banking
  • Automatic Loan Payments to Universal Bank Loans
  • Direct Deposit
  • Cashier’s Checks
  • Dynamic Transfer
  • SMS (Text Message) Fraud Notification
  • Remote Deposit Capture Scanner
  • Armored or Bonded Courier Service

Allpoint® ATM Network

Universal Bank is a member of the largest surcharge-free ATM network, Allpoint®. With over 37,000 ATM’s, Allpoint® is your single source for surcharge-free ATM access, coast to coast. Allpoint® provides you with unmatched convenience and savings. Allpoint® ATM’s are located at National and Regional retailers such as 7-Eleven, Target, and Costco.

Allpoint® ATM Locator

Safe Deposit Box

Store your valuables in a safe place. Universal Bank offers safe deposit boxes at low rates. Please call your nearest branch for availability and sizes.

Branch Locations

Visa® Debit Card

Commonly referred to as a debit card, the Universal ATM Visa® Debit Card works like a check, only better. Just swipe your card, sign the receipt and go. Funds are withdrawn directly from your checking account. It’s faster and safer than cash or checks. It’s a convenient way to pay for your everyday purchases from your checking account.

Visa® Credit Card

Apply for a Universal Bank credit card provided through ElanTM Financial Services. It works everywhere Visa® is accepted. To apply a new credit card, please visit one of our branches.

Branch Locations

ATM Card

ATM’s make it even easier and convenient to conduct your financial transactions anytime of the day or night. Your ATM card will give you access to your savings or checking account, around the clock. You’ll no longer have to wait in long lines. Look for Allpoint Kiosk ATM and Citibank ATM branch locations near you.

Wire Transfers

Wire transfer service is available at all Universal Bank branches.

For business banking customers, online banking with wire transfer service is also available.

Automatic Loan Payments

Don’t worry about late payments any longer. Set up automatic loan payments of your Universal Bank loans from your checking account.

Direct Deposit

Direct deposit is a safe, fast and convenient way to have your payroll, social security benefits, tax refunds or pension funds electronically and automatically deposited into your Universal Bank checking or savings account.

To start direct deposit of your paycheck to your account, simply contact your employer’s Human Resource Department. Provide your employer with your Universal Bank account number and our Routing or Transit Number: 322270275. You may also initiate direct deposit of your U.S. Treasury check by visiting or by calling Social Security Administration at (800) 772-1213. Direct deposit is safer, more secure and more convenient than receiving your payment by check in the mail. It’s a simple, secure and speedy way to have immediate access to your money.

Cashier’s Checks

Cashier’s checks are available at all Universal Bank branches.

Branch Locations

Dynamic Transfer

Dynamic Transfer uses accounts relationships where funds are automatically moved between two or more accounts based on criteria defined by you.This allows you to design many different types of products (for example, zero balance accounts (ZBAs), sweep accounts, overdraft protection (ODP) accounts, etc.) specific to your needs.

SMS (Text Message) Fraud Notification

Using your Universal Bank card is simple. Now, fraud monitoring is just as seamless. Our fraud monitoring network watches for suspicious or unusual transactions. If a suspicious transaction appears on your card, you’ll receive a text asking if it’s legitimate. Text back to confirm or deny the transaction. It’s simple, quick and easy.

Corporate Hours & Info

3455 Nogales St. Floor #2
West Covina, CA 91792
(626) 854-2818
Monday – Friday: 8:30am-5:30pm
Saturday – Sunday: Closed

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