Access Checking Full-featured checking to accelerate your earnings
Get your hard-earned money working harder for you with our interest-earning checking account featuring unlimited ATM transactions.
Debit Card Controls, Right From Your Phone
Skip the call or branch visit — manage your card right from the USB Mobile App with Card Controls.
Use Card Controls to:
- Change your PIN
- Report a lost or stolen card, or replace a damaged card
- Access a digital card for Apple Pay® or Google Wallet™
- Set travel dates
- Review recurring payments and block subscriptions
It’s a simple, secure way to manage your debit card wherever you are.
$0 Monthly Service Fee
When You Meet Any of the Following Criteria:
- Maintain a minimum balance of $5,000 OR
- Maintain combined deposit balances of $25,000, OR
- Maintain combined deposit and loan balances of $50,000. Loan balances include consumer and residential mortgage loans.
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.
Looking for a Better Fit?
ESSENTIAL CHECKING
Meet With a FutureTrack Money Mentor
Union Savings Bank customers get access to FutureTrack – personalized advice and digital tools to help you reach your financial goals, whatever they may be.
FutureTrack We Love to Save Blog
USB Rates
- Annual Percentage Yield (APY)§
- $0.01 - $4,999.99
- 0.03%
- $5,000.00 - $24,999.99
- 0.03%
- $25,000.00 - $49,999.99
- 0.04%
- $50,000.00 - $99,999.99
- 0.06%
- $100,000.00+
- 0.08%
- Interest Rate
- $0.01 - $4,999.99
- 0.03%
- $5,000.00 - $24,999.99
- 0.03%
- $25,000.00 - $49,999.99
- 0.04%
- $50,000.00 - $99,999.99
- 0.06%
- $100,000.00+
- 0.08%
- 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
1 There are 3 ways to waive the monthly service fee: maintain a minimum balance of $5,000, combined deposit balances of $25,000, or combined deposit and loan balances of $50,000. Loan balances include consumer and mortgage loans.
2 No $5 monthly service fee when primary owner of Access Savings account is an owner of Access Checking account; or if the primary owner of Access Savings account is 18 years of age or younger or 60 years of age or older; or maintain a $500 minimum daily balance.
*Fees may reduce earnings
**Rates may change after the account is opened
Zelle and the Zelle related trademarks are wholly owned by Early Warning Services, LLC and are used herein under license. Terms and conditions apply.
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.