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.
To open an account

Give us a call at 866.872.1866

Find a Branch

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

  • Real-time fraud monitoring and alerts for your USB Debit Card
  • 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 chance checking account8.

Minimum Opening Balance: $50.00
Service Fee Per Statement Cycle: $15.00
eStatements:  No charge⁸
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 Insurance⁵: Yes

Personal Banking FAQs

How do I reorder checks?

To reorder checks click here

  • Your browser settings must be set to allow pop-ups for website and mobile to access all of the features.

What is the Send on Date for online check payments using Bill Pay?

The Send on Date is date that you select when scheduling your online check 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 Union Savings Bank will check to see if the funds are in your account at approximately 9:00 p.m. EST. The funds to cover this payment must be in your account BEFORE 9:00 p.m. EST. If funds are not available at this time, the payment will fail and an email/alert will be sent. If the funds are available, the payment will be sent.

What is the Deliver by Date for online check payments using Bill Pay?

The Deliver by Date is the date you select that you would like your payment to be received by is displayed within the calendar widget when scheduling a bill payment. The process time is approximately 5 business days to arrive to the person/vendor you are paying. These checks are sent as if they were from you and funds will be withdrawn from your account when the payee cashes your check.

How do I reset my Online Banking password?

On the website, click Forgot User ID/Password and follow the on-screen prompts to recover your information. Or you can call us at 866.719.6654.

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 You will receive a total of 8 free non-USB ATM transactions posted to the account during each statement cycle for the first 5 years of the account. This means that we will not charge you for using another bank’s ATM however, you will be subject to any fees that the other bank may charge for using their ATM.

4 ATM/Debit Cards are provided to customers. Card will be issued to an individual age 16 years or older for joint accounts (accounts titled jointly with an adult parent or guardian).

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

6 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.

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

8 For full disclosures on Opportunity Checking accounts, click here.

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.

*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.