Essential Checking Account Features

  • $0 monthly service fee
  • Early Payday gets you paid up to two days earlier
  • Free companion Essential Savings account1
  • Contactless USB Debit Card
  • 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 chance of fraud
  • USB Online Banking with Bill Pay
  • Mobile check deposit with the USB Mobile App
  • New! USB Spending Insights in the Mobile App
  • Digital Wallets can be linked to your contactless USB Debit Card
  • USB People Pay to make and share payments with friends
  • Free paperless eStatements
  • Free paper statement for primary owner 60 years or older
  • No charge to use USB ATMs with your contactless USB Debit Card
  • 6 free non-USB ATM transactions for ages 15 - 242
  • Always excellent customer service

Or visit a branch or call us at 866.872.1866

icon hat - Essential 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?

Interest-earning checking and unlimited ATM transactions
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.

down arrow Disclaimers

1 No $3 monthly service fee when primary owner of Essential Savings account is an owner of Essential Checking account; account subject to $3 monthly paper statement fee if primary owner is under 60 years of age.

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