Union Bank of Nigeria has reassured its customers of uninterrupted services following its merger with Titan Trust Bank Limited.

In an email sent to customers on Monday following the announcement of the merger, the lender stated that customers should expect no difficulties in accessing their accounts.

In a statement on Sunday, the lender revealed that the process of the merger began with the signing of a Share Sale Agreement in 2021. Under the terms of the merger, which became effective Monday, Union Bank has fully absorbed Titan Trust Bank’s operations and assets. The combined institution will continue to operate under the Union Bank brand, while Titan Trust Bank ceases to exist as a separate entity.

In the email to customers on Monday, Union Bank emphasised that account numbers, debit and credit cards, cheque books, mobile apps, and online banking services will remain valid and functional. The bank confirmed that customers do not need to open new accounts or take any special action to continue using existing services.

“The integration means both banks are now one financial institution, offering expanded branch networks, stronger digital platforms, more innovative products, and improved customer service,” the bank explained in response to a set of frequently asked questions.

Titan Trust Bank branches nationwide will be rebranded as Union Bank branches from September. Customers of both institutions will be able to access their accounts interchangeably across all branches and ATMs without incurring additional charges.

Union Bank also reassured customers that account officers will remain the same and that deposits and loans remain fully secure, saying that the Central Bank of Nigeria continues to regulate and supervise the process to ensure customer protection.

“All funds are completely safe and secure. Loans remain valid under agreed terms, and relationships with account officers are unchanged,” the bank added.

While there will be no immediate changes to fees or service conditions, the bank noted that any future adjustments would be communicated well in advance. For now, customers are advised to continue using their existing UnionMobile App, UnionOnline, or Titan Trust’s digital banking platforms.

Union Bank highlighted several customer benefits from the merger, including access to more branches and ATMs nationwide, stronger digital platforms for faster transactions, and a wider range of financial products such as loans, investments, and savings options.

The bank stressed that the integration aims to deliver “better services, stronger support, and more innovative financial solutions” over time, while keeping customers’ day-to-day banking needs uninterrupted.