Access Checking
Essential Checking
icon phone2 - Fall Campaign - V2

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Introducing Access and Essential
Two personal banking accounts tailored to your needs.
Get up to $250 when you open an Access Checking account*
Access Checking – an interest-earning checking account with unlimited ATM transactions that gets your hard-earned money working harder for you.
  • Free, unlimited ATM transactions
  • Earn interest on your balance
  • $0 monthly service fee [1]
  • USB Debit Card
  • Real-time fraud monitoring and alerts for your USB Debit Card
  • Debit card controls within the USB Mobile App so you can control spending, review transactions, and reduce the chance of fraud
  • $0 monthly service fee Access Savings account [2]
  • USB Online Banking with Bill Pay
  • Mobile check deposit with the USB Mobile App
  • USB People Pay to make and share payments with friends
  • Digital Wallets can be linked to your USB Debit Card
  • Free paperless eStatements
  • Free paper statement
  • Always excellent customer service
Get up to $150 when you open an Essential Checking account*
Essential Checking – a no-monthly service fee checking account with all the ease and convenience features you expect, plus all the latest security protections you need in today’s world.
  • $0 monthly service fee
  • $0 monthly service fee Essential Savings account [3]
  • USB Debit Card
  • Real-time fraud monitoring and alerts for your USB Debit Card
  • Debit card controls within the USB Mobile App so you can control spending, review transactions, and reduce the chance of fraud
  • USB Online Banking with Bill Pay
  • Mobile check deposit with the USB Mobile App
  • USB People Pay to make and share payments with friends
  • Digital Wallets can be linked to your USB Debit Card
  • Free paperless eStatements
  • No charge to use USB ATMs with your 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

down arrow Disclaimers

* To receive up to $150 checking bonus, open a new Essential Checking account (subject to approval) and deposit $25 or more at account opening. Get $75.00 if you make one qualifying direct deposit within 90 days of opening the account and/or get $75.00 when you open a USB Debit Card and make 10 debit card purchases (signature or PIN) within 90 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.

To receive up to $250 checking bonus, open a new Access Checking account (subject to approval) and deposit $50 or more at account opening. Get $150.00 if you make one qualifying direct deposit within 90 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 90 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 September 9, 2019 through November 21, 2019. New USB personal checking customers only. Limit one per household. Promotion may be canceled without notice. Bonus amounts will be credited between December 1, 2019 and March 15, 2020 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.

[1] Essential Checking has no monthly service fee. There are 3 ways to waive the Access Checking 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 residential mortgage loans.

[2] No $5 monthly service fee when primary owner of Access Savings account is an owner of Access Checking account.

[3] 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.

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