Access Checking

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Essential Checking

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Core Checking

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Access, Essential & Core

Three personal checking accounts tailored to your needs.

Access Checking – Full-featured checking to accelerate your earnings

Access Checking – an interest-earning checking account with unlimited ATM transactions that gets your hard-earned money working harder for you. Comes with our suite of digital banking tools.
  • Free, unlimited ATM transactions
  • Access to Zelle® – quickly and easily send money to friends, now available for free in our app.
  • Early Payday gets you paid up to two days earlier
  • Earn interest on your balance
  • $0 monthly service fee1
  • Contactless USB Debit Card (get it right away at a branch!)
  • Real-time fraud monitoring and alerts for your ​contactless USB Debit Card
  • Debit card controls within the USB Mobile App so you can control spending, review transactions, and reduce the chance of fraud
  • $0 monthly service fee Access Savings account [2]
  • USB Online Banking with Bill Pay
  • Mobile check deposit with the USB Mobile App
  • Digital Wallets can be linked to your USB Debit Card
  • Free paperless eStatements
  • Free paper statement
  • Always excellent customer service

Essential Checking – Versatile checking for your active life

Essential Checking – a $0 monthly service fee checking account with all the ease and convenience features you expect, plus all the latest security protections you need in today’s world. Comes with our suite of digital banking tools.
  • $0 monthly service fee
  • Access to Zelle® – quickly and easily send money to friends, now available for free in our app.
  • Early Payday gets you paid up to two days earlier
  • $0 monthly service fee Essential Savings account [3]
  • Contactless USB Debit Card (get it right away at a branch!)
  • Real-time fraud monitoring and alerts for your ​contactless USB Debit Card
  • Debit card controls within the USB Mobile App so you can control spending, review transactions, and reduce the chance of fraud
  • USB Online Banking with Bill Pay
  • Mobile check deposit with the USB Mobile App
  • Digital Wallets can be linked to your ​contactless USB Debit Card
  • Free paperless eStatements
  • No charge to use USB ATMs with your ​contactless USB Debit Card
  • Free paper statement for primary owner 60 years or older [3]
  • Six free non-USB ATM transactions for ages 15-24 [4]
  • Always excellent customer service

Core Checking – An affordable checking account with no overdraft fees.

Core Checking helps you better manage your budget with a low monthly fee of $5.00 and no overdraft fees[5]
  • Open with as little as $10
  • USB Mobile App with free access to Zelle®
  • USB Online Banking with Bill Pay
  • Contactless USB Debit Card (get it right away at a branch!)
  • Digital Wallets offer secure payment options
  • Early Payday gets you paid up to two days earlier
  • Spending Insights analyses your spending to make budgeting easier
  • $0 monthly service fee Essential Savings account[3]

down arrow Disclaimers

1 Essential Checking has no monthly service fee. There are 3 ways to waive the Access Checking 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.

3 No $3 monthly service fee when primary owner of Essential Savings account is an owner of Essential or Core Checking account; 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.

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

5 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.

*To receive up to $100 checking bonus, open a new Essential Checking account (subject to approval) and deposit $25 or more at account opening; or open a new Core Checking account (subject to approval) and deposit $10 or more at account opening. Get $50.00 if you make one qualifying direct deposit within 60 days of opening the account and/or get $50.00 when you open a USB Debit Card and make 10 debit card purchases (signature or PIN) within 60 days of opening the account. ATM transactions do not qualify. 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.

To receive up to $150 checking bonus, open a new Access Checking account (subject to approval) and deposit $50 or more at account opening. Get $100.00 if you make one qualifying direct deposit within 60 days of opening the account and/or get $50.00 when you open a USB Debit Card and make 10 debit card purchases (signature or PIN) within 60 days of opening the account. ATM transactions do not qualify. 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.

Offer is valid from August 1, 2022, through September 30, 2022. New USB personal checking customers only. Limit one per household. Promotion may be canceled without notice. Bonus amounts will be credited to checking account between September 1, 2022, and December 20, 2022, depending on the date you open the account. Account must be open and in good standing to receive bonus. The checking bonus is subject to 1099 IRS reporting requirements.

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

Member FDIC.