Access Checking Account Features

  • Free, unlimited ATM transactions
  • Earn interest on your balance
  • $0 monthly service fee1
  • USB Debit Card
  • Real-time fraud monitoring and alerts for your 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
  • Free companion Access Savings account2
  • USB Online Banking with Bill Pay
  • Mobile check deposit with the USB Mobile App
  • USB People Pay to make and share payments with friends
  • Digital Wallets can be linked to your USB Debit Card
  • Free paperless eStatements
  • Free paper statement
  • Always excellent customer service

Or visit a branch or call us at 866.872.1866

$0 Monthly Service Fee

When You Meet Any of the Following Criteria:

  • Maintain a minimum balance of $5,000 OR
  • Maintain combined deposit balances of $25,000, OR
  • Maintain combined deposit and loan balances of $50,000. Loan balances include consumer and residential mortgage loans.
Otherwise a $20 monthly service fee will apply
icon hat - Access 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.

Looking for a Better Fit?

ESSENTIAL CHECKING
No monthly service fee checking and a free companion savings account
Account Details

Your Future Starts Now

We can help you focus on your financial journey, whether you’re just getting started or well on your way. Future Track can help you get thinking, but come in and see us – we’ll discuss your goals and help you reach them.

USB Rates

Updated December 6, 2019
    • 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

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.

*Fees may reduce earnings

**Rates may change after the account is opened

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.