Core Checking Worry-free checking with no overdraft fees
Limited Time Offer – Get up to $400* when you open a new Core Checking Account. Learn More
Core Checking helps you better manage your budget with a low monthly fee of $5.00 and no overdraft fees1. You’ll get peace-of-mind knowing you will spend only what you have.
Core Checking is a certified BankOn account as it meets National Account Standards for affordability, safety and access to a no-overdraft-fee banking account.
USB Spending Insights
Get daily snapshots of your expenses
So you know when to spend and when to save.
Our Switch Kit
Makes Changing Banks Easy
From opening your account to moving direct deposit and automatic payments, our Switch Kit makes changing banks simple and seamless.
Disclaimers
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. Account subject to $3 monthly paper statement fee if primary owner is under 60 years of age. 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.
2 No $3 monthly service fee when primary owner of Essential Savings account is an owner of Core Checking account; or if the primary owner of Essential Savings account is 18 years of age or younger or 60 years of age or older; or maintain a $300 minimum daily balance.
Zelle and the Zelle related trademarks are wholly owned by Early Warning Services, LLC and are used herein under license. Terms and conditions apply.
*To receive up to $400.00 bonus open a new Core Checking account (subject to approval) as the primary account holder and deposit $10 or more at account opening. Get $150.00 if you make one qualifying direct deposit within 60 days of opening the account; and/or get $100.00 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. Additionally, get $150 when you open an Essential Savings Account as the primary account holder at the same time as the checking account, and maintain a $500 average balance or more for 60 days from the date of account opening. New USB savings customers only.
Offer is valid from June 8, 2026 through September 19, 2026. Offer not available to existing USB personal checking customers (either primary or secondary on the account), or those customers whose personal checking or savings accounts have been closed within the previous 12 months. Limit one offer per customer. Promotion may be canceled without notice. Bonus amounts will be credited to checking and/or savings account between September 1, 2026, and December 31, 2026, depending on the date you open the account. Account must be open and in good standing to receive bonus. Bonuses are subject to 1099 IRS reporting requirements. Employees of Union Savings Bank are not eligible.