Core Checking Account Features

  • A low monthly fee of $5.00 and no overdraft fees1
  • 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 account2
  • 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
  • Free paperless eStatements
  • Free paper statement for primary owner 60 years or older2
  • Always excellent customer service

Or visit a branch or call us at 866.872.1866

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.


1 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.

2 No $3 monthly service fee when primary owner of Essential Savings account is an owner of 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 $2 for Core Checking.

*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.

Offer is valid from July 17, 2023, through October 28, 2023. 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 October 1, 2023, and January 31, 2024, 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. Employees of Union Savings Bank are not eligible.

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.

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