Two types of accounts to choose from.

icon relationship checking transparency - Checking
ACCESS CHECKING
Interest-earning checking and unlimited ATM transactions.
icon classic checking transparency - Checking
ESSENTIAL CHECKING
No monthly service fee and a free companion savings account.

Add a Personal contactless 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. Now we’ve made it even more convenient with new contactless USB Debit Cards. Click here for additional information.

Contactless USB Debit Cards

  • Real-time fraud monitoring and alerts for your contactless USB Debit Card
  • Use Debit Card Controls within the USB Mobile App so you can control spending, review transactions and reduce chance of fraud. View interactive demo
  • Have chip technology that offers greater security when used at a chip card reader
icon hat - Checking

Manage your bank account with ease

With USB Digital Banking Tutor, you can learn how to use our online and mobile banking products so you can better manage your finances wherever you are, anytime you want.

USB Opportunity Checking

An Opportunity Checking account is a way to rebuild your banking history with a second chance checking account10

  • 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 Insurance7: Yes

Personal Banking FAQs

Is there a minimum balance to avoid a service fee on my personal checking account?

There is a minimum balance requirement to waive the monthly service fee for Access Checking. Essential Checking has no monthly fees.

What is an overdraft?

An overdraft occurs when there’s not enough money in your account to cover a transaction, such as an ATM cash withdrawal or a debit card purchase at a store. At our discretion, we may decide to pay the check or process the transaction even without sufficient funds available. In some cases, your check will be returned or your transaction will be denied. If we do decide to process transactions that overdraw your account, you will be charged a fee for each item, unless you have one of our alternate overdraft services.

What do I do if my USB Debit Card is lost or stolen?

In the event your USB Debit Card is lost or stolen, please call 866.872.1866 immediately to report your card is missing.

What fees will I be charged if Union Savings Bank pay my overdraft?

There is no fee to enroll in the Opt-In service. There are only fees incurred if/when you use the service and those are as follows:
• We will charge you a fee of $36.00 each time we pay an overdraft, not to exceed 4 overdrafts per day ($144.00)
• Consult our Schedule of Interest and Deposit Account Charges for current deposit fee information

Switch your direct deposit with one simple form.

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 July 4, 2020
    • 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

down arrow Disclaimers

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 Paper statement fee is waived for primary owner 60 years or older; or those customers enrolled in eStatements

3 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 account; account subject to $3 monthly paper statement fee if primary owner is under 60 years of age.

6 Card will be issued to an individual age 15 years or older for joint accounts (accounts titled jointly with an adult parent or guardian).

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

8 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 or Opportunity Checking accounts; as overdrafts are prohibited. Visit www.unionsavings.com or call 866.872.1866 for further information.

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

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

Separate enrollment in Digital Wallets is required.

Apple Pay is a trademark of Apple Inc. Google Pay is a registered trademark of Google Inc. Samsung Pay is a registered trademark of SAMSUNG. Visa Checkout © 2018 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.