Three types of accounts to choose from.

Earn interests
Relationship Checking includes a range of features including interest on your balance.
Skip monthly fees
Classic Checking includes all the basics.
Classic checking for students
Classic Student Checking includes custom features for students.

Add a Personal Debit Card to your account.
It’s free to have, and easy to use.

The best bank checking account should always include a personal debit card. Because when you add a personal debit card to your account, not only is it easy to get cash from an ATM, but also easy to pay for everyday purchases without having to reach for cash or your checkbook. It’s also a safe and secure way to pay with Visa’s Zero Liability Policy covering you from unauthorized purchases. USB Debit Cards are accepted wherever VISA® is welcome – and your payment amount is deducted directly from your account. You can even get cash back at many places, such as the grocery store. Convenient? You bet.

USB Debit Cards

  • Have chip technology that offers greater security when used at a chip card reader.
  • If lost or stolen, Visa’s Zero Liability Policy*** covers you from paying for unauthorized purchases
  • Easy access anywhere Visa is accepted and your purchases will be automatically deducted from your checking account
  • Easily track and control your spending through USB Online Banking and USB Mobile.
  • Can be added to USB’s Digital Wallets – Apple Pay, Android Pay, Samsung Pay, and Visa Checkout
USB Opportunity Checking

An Opportunity Checking account is a way to rebuild your banking history with a second change checking account.

  • Minimum Opening Balance: $50.00
  • Service Fee Per Statement Cycle: $15.00
  • eStatements:  No service fee
  • Online Banking with Bill Pay: Yes
  • USB Mobile App: Yes
  • Check Writing: Unlimited
  • ATM Charges
    • Union Savings Bank ATMs: No charge
    • Non-Union Savings Bank ATMs: $2.00 per transaction
  • FDIC Insurance⁶: Yes

Personal Banking FAQs

What internet browser and computer operating systems are required to use USB Online Banking?

We regularly monitor and test internet browsers and operating systems to ensure the highest standards. The following are validated browsers and systems for USB Online Banking


Operating System Microsoft Internet Explorer® Microsoft Edge® Apple Safari® Mozilla Firefox® Google Chrome®
Windows® 7 SP1 11.0 N/A N/A Latest two versions Latest two versions
Windows® 8.1 11.0 N/A N/A Latest two versions Latest two versions
Windows® 10 11.0 Latest two versions N/A Latest two versions Latest two versions
macOS  10.12 (Sierra™) N/A N/A 11.0 Latest two versions Latest two versions
macOS 10.13 (High Sierra™) N/A N/A 11.0 Latest two versions Latest two versions
iOS 11 N/A N/A Mobile Safari N/A


  • Cookies and JavaScript must be enabled to use USB Online Banking.
  • Other browsers and operating systems may be used; however, they are not supported and some features may not function properly.
  • For maximum security, always use the latest version of a browser. Beta versions of browsers and operating systems are not recommended or supported.
  • Compatibility View for Microsoft Internet Explorer® is not supported.

How do I reorder checks?

To reorder checks click here

How do I download the Online Banking User Guide?

Download our Online Banking User Guide by clicking here.

What is the Send on Date for electronic Bill Pay?

The Send on Date is the date that you select when scheduling your online electronic payment using Bill Pay in Online Banking and is displayed within the calendar widget when scheduling a bill payment.  The Send on Date is when the funds will be withdrawn from your account at approximately 9:00 p.m. EST.

Our mortgage, HELOC and consumer loans make your life easier.

Reorder your USB checks

Your Future Starts Now

We can help you focus on your life stage financial planning journey, whether you’re just getting started or well on your way. Our FutureTrack website can help you get thinking, so check it out.  And when you’re done, come in and see us – we’ll discuss your goals and help you find the right financial and retirement plan to make your dreams come true.

USB Rates

Updated December 1, 2017
    • Annual Percentage Yield (APY)*
    • $0.01 - $4,999.99
    • 0.05%
    • $5,000.00 - $24,999.99
    • 0.05%
    • $25,000.00 - $49,999.99
    • 0.10%
    • $50,000.00 - $99,999.99
    • 0.10%
    • $100,000.00+
    • 0.15%
    • Interest Rate
    • $0.01 - $4,999.99
    • 0.05%
    • $5,000.00 - $24,999.99
    • 0.05%
    • $25,000.00 - $49,999.99
    • 0.10%
    • $50,000.00 - $99,999.99
    • 0.10%
    • $100,000.00+
    • 0.15%
    • Frequency of Rate Change**
    • Variable
    • Interest Compounding
    • Monthly
    • Interest Credited
    • Monthly
    • Minimum Balance to Open Account
    • $50.00
    • Minimum Balance to Earn APY
    • $0.01


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, combine deposit balances of $25,000, or combine deposit and loan balances of $50,000. Loan balances include consumer and mortgage loans.

2 Relationship Checking customers receive 8 free non-USB ATM transactions posted to the account during each statement cycle. You will not be charged for using another bank’s ATM and we will reimburse the fee charged by the other bank. These transactions are per account.

3 The first 8 non-USB ATM transactions free per statement cycle for the first 5 years of the account. Does not include non-USB ATM surcharges assessed by the other bank. The customer must be 16 years or older to receive the USB Debit Card as part of Classic Student Checking.

4 Overdraft protection options include automated savings transfers and Overdraft Protection Line of Credit. Subject to credit approval. Classic Student Checking 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 or Opportunity Checking accounts; as overdrafts are prohibited. Visit or call 866.872.1866 for further information.

5 A separate application is required. Subject to credit approval.

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

Separate enrollment in Digital Wallets is required.

Apple Pay is a trademark of Apple Inc. Android Pay is a registered trademark of Google Inc. Samsung Pay is a registered trademark of SAMSUNG. Visa Checkout © 2016 Visa. All Rights Reserved.

For full disclosures on Opportunity Checking accounts, click here.

*Fees may reduce earnings
**Rates may change after the account is opened
***Visa’s Zero Liability Policy covers U.S. Visa issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify Union Savings Bank immediately of any unauthorized use. If determined that the unauthorized transactions occurred because of your gross negligence or fraud, the special limitations on liability may not apply. To access Visa’s Zero Liability Policy click here.