Estou tentando criar uma consulta UNION e não estou conseguindo. Tô usando o seguinte código:

SELECT ctsalini.id_plano, ctplano.conta, ctsalini.cgccpf, ctplano.descrconta, ctsalini.valor AS salini, 0 AS debito, 0 AS credito
FROM ctsalini
INNER JOIN ctplano ON ctsalini.id_plano = ctplano.id_plano
ORDER BY ctplano.conta, ctsalini.cgccpf;
UNION
SELECT ctlancto.id_plano, ctplano.conta, ctlancto.cgccpf, ctplano.descrconta, 0 AS salini, If([ctlancto].[tipolancto]='D',[ctlancto].[valor],0) AS debito, If([ctlancto].[tipolancto]='C',[ctlancto].[valor],0) AS credito
FROM ctplano INNER JOIN ctlancto ON ctplano.id_plano = ctlancto.[id_plano ];

Tá dando erro de sintaxe. Se alguem puder me ajudar eu agradeço.

SELECT ctsalini.id_plano, ctplano.conta, ctsalini.cgccpf, ctplano.descrconta, ctsalini.valor AS salini, 0 AS debito, 0 AS credito
FROM ctsalini
INNER JOIN ctplano ON ctsalini.id_plano = ctplano.id_plano
ORDER BY ctplano.conta, ctsalini.cgccpf
UNION
SELECT ctlancto.id_plano, ctplano.conta, ctlancto.cgccpf, ctplano.descrconta, 0 AS salini,
If(ctlancto.tipolancto='D',ctlancto.valor,0) AS debito,
If(ctlancto.tipolancto='C',ctlancto.valor,0) AS credito
FROM ctplano
INNER JOIN ctlancto ON ctplano.id_plano = ctlancto.id_plano