Three types of accounts to choose from.

Earn interests
EARN INTEREST
Relationship Checking includes a range of features including interest on your balance.
Skip monthly fees
SKIP MONTHLY FEES
Classic Checking includes all the basics.
Classic checking for students
FOR STUDENTS
Classic Student Checking includes custom features for students.
USB Opportunity Checking
An Opportunity Checking account is a way to rebuild your banking history with a second chance checking account.
  • Minimum Opening Balance
  • $50.00
  • Service Fees per Statement Cycle
  • $15.00
  • eStatements
  • No service fee
  • Online Banking with Bill Pay
  • Yes
  • USB Mobile App
  • Yes
  • ATM Charges
  • USB ATM
  • No charge
  • Non-USB ATMs
  • $2.00 per transaction
  • Check Writing
  • Unlimited
  • FDIC Insurance6
  • Yes

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

Personal Banking FAQs

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  The Send on Date is when the funds will be withdrawn from your account at approximately 9:00 p.m. EST.

What is the Deliver by Date for electronic Bill Pay?

The Deliver by Date is the date you select that you would like your payment to be received by and is displayed within the calendar widget when scheduling a bill payment. The process time is approximately 3 business days to arrive to the person/vendor you are paying.

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.

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

Get $25 cash back after your first purchase with a USB Credit Card.

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 October 10, 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

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, combine deposit balances, or combine deposit and loan balances. 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. Visit www.unionsavings.com 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.

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.