Essential Checking Versatile checking for your active life
Our no monthly service fee checking account has the ease and convenience you expect, all the latest security protections you need and a free companion savings account1.
Essential Checking Account Features
- $0 monthly service fee
- Access to Zelle® – quickly and easily send money to friends, now available for free in our app.
- Early Payday gets you paid up to two days earlier
- Spending Insights – analyzes your spending to make budgeting easier
- $0 monthly service fee Essential Savings account3
- Contactless USB Debit Card (get it right away at a branch!)
- 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
- NEW! USB Round Up – round up debit card purchases and automatically move that money into savings
- USB Online Banking with Bill Pay
- Mobile check deposit with the USB Mobile App
- Digital Wallets can be linked to your contactless USB Debit Card
- Free paperless eStatements
- No charge to use USB ATMs with your contactless USB Debit Card
- Free paper statement for primary owner 60 years or older 3
- Six free non-USB ATM transactions for ages 15-24 4
- Always excellent customer service
Or visit a branch or call us at 866.872.1866
USB Spending Insights: Helping you know when you can spend and when you should save.
“Round up” your USB Debit Card purchases and automatically move that money into savings.
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.
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.
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.
Zelle and the Zelle related trademarks are wholly owned by Early Warning Services, LLC and are used herein under license. Terms and conditions apply.