Get started with our Checking Accounts

Account becomes overdrawn, fees may be assessed. Please see our Schedule of Interest and Deposit Account Charges or call 866.872.1866 for further information.

¹ There are 3 ways to waive the monthly service fee: maintain a minimum balance of $5,000, combined deposit balances of $25,000, or combined deposit and loan balances of $50,000. Loan balances include consumer and mortgage loans.

² There is no charge for eStatements. Paper statement fee is waived for primary owner 60 years or older. Paper Statement fee is $3 for Essential Checking and $2 for Core Checking.

³ $2 Non-USB ATM transaction fee waived up to 6 times per statement cycle for ages 15-24 (age based on primary owner).

⁴ No $5 monthly service fee when primary owner of Access Savings account is an owner of Access Checking account.

⁵ No $3 monthly service fee when primary owner of Essential Savings account is an owner of Essential Checking or Core Checking account; account subject to $3 monthly paper statement fee if primary owner is under 60 years of age.

⁶ When primary owner of GoalGetter Savings is the primary owner of GoalGetter Checking, the GoalGetter Savings account earns the companion rates as published in the rate tables

⁷ Card will be issued to a minor for joint accounts only (accounts titled jointly with an adult parent or guardian).

⁸ Deposits are insured up to FDIC limits. Click here for FDIC calculator.

⁹ Overdraft protection options include automated savings transfers and Overdraft Protection Line of Credit. Subject to credit approval. Customers must be 18 years or older or have an adult listed on the account to apply for an Overdraft Protection Line of Credit. This does not apply to Health Savings, GoalGetter or Core Checking accounts as overdrafts are prohibited. Visit www.unionsavings.com or call 866.872.1866 for further information.

¹⁰ The creditor and issuer of these Cards is Elan Financial Services. Separate credit application and credit approval required.

¹¹ Card will be issued to minor in his/her name for joint account only with adult parent or guardian; parent/guardian maintains ownership of card and has sole access to card controls, PIN creation and card activation.

Separate enrollment in Digital Wallets is required.

Apple Pay is a trademark of Apple Inc. Google Wallet is a registered trademark of Google Inc. Samsung Wallet is a registered trademark of SAMSUNG. All Rights Reserved.

*Fees may reduce earnings
**Rates may change after the account is opened

^Account will be converted to Essential Checking when the child reaches age 18.
^†Customers under age 18 can have a debit card as an authorized cardholder; the owner of the debit card is the parent/guardian on the account
^††If you do not have sufficient funds available in your account to cover a transaction, the transaction will be declined in most cases. It is possible for the account to be overdrawn and have a negative balance, but no overdraft fees will be charged.
^‡APY = Annual Percentage Yield. As of November 12, 2025, GoalGetter Savings balances between $.01 and $2,000.00 will earn a companion rate of 5.12% APY; balances $2000.01 or more will earn a companion rate of 1.01% APY. The total blended APY will range from 1.01% to 5.12%. Without a GoalGetter Checking account, the account will earn 0.03% APY on all balances. Minimum of $5 to open. The child named on the account must be under 18 years of age. At age 18, the account will convert to Essential Savings Account and earn the APY Union Savings Bank is offering at that time. Limit one account with companion rates per child. Rates subject to change and may be withdrawn at any time.