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 No $5 monthly service fee when primary owner of Access Savings account is an owner of Access Checking account; or if the primary owner of Access Savings account is 18 years of age or younger or 60 years of age or older; or maintain a $500 minimum daily balance.

^§Fees may reduce earnings

**Rates may change after the account is opened

Zelle and the Zelle related trademarks are wholly owned by Early Warning Services, LLC and are used herein under license. Terms and conditions apply.

If 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.

*To receive up to $304.00 bonus, open a new Access Checking account (subject to approval) as the primary account holder and deposit $50 or more at account opening. Get $154.00 if you make one qualifying direct deposit within 60 days of opening the account. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, bank transfers or other electronic money transfers, such as those made through internet payment services, do not qualify. Additionally, get $150.00 when you open a companion Access Savings account as the primary account holder at the same time as the checking account and maintain an average balance of $15,000 or more for 60 days from the date of account opening. New USB savings customers only.

Offer is valid from February 9, 2026, through April 30, 2026. Offer not available to existing USB personal checking customers (either primary or secondary on the account), or those customers whose personal checking or savings accounts have been closed within the previous 12 months. Limit one offer per customer. Promotion may be canceled without notice. Bonus amounts will be credited to checking and/or savings account between May 1, 2026, and July 31, 2026, depending on the date you open the account. Account must be open and in good standing to receive bonus. Bonuses are subject to 1099 IRS reporting requirements. Employees of Union Savings Bank and their household members are not eligible.