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Compare and Find the Right Account for You

Choosing a checking account doesn’t have to be complicated. That’s why we offer three types of checking accounts, plus top notch security features, customer care and local banking experts to help you on your financial journey.

 

Relationship Checking

Classic Checking

Classic Student Checking

Minimum Opening Balance

$50

$25

$25

Service fee per statement cycle

$151

None

None

Earns interest on your balance

Yes

No

No

eStatements No service fee No service fee No service fee
USBonline Internet Banking with BillPay Yes Yes Yes
USB Mobile Money (mobile app) Yes Yes Yes
ATM Transaction Charges

Union Savings Bank ATMs

No charge No charge No charge

Non-Union Savings Bank ATMs

8 free transactions per calendar month2

$2.00 per transaction

USB fee waived up to
8 times per month3​

Union Savings Bank Debit Card

Yes

Yes

Yes3

Check writing and withdrawals per month

Unlimited

Unlimited

Unlimited

FDIC Insurance6

Yes

Yes

Yes

Overdraft Protection options4

Yes

Yes

Yes

Direct deposit Yes Yes Yes
Automatic BillPay Yes Yes Yes
Apple PayTM Yes Yes Yes
Android PayTM Yes Yes Yes
Samsung PayTM Yes Yes Yes
Visa Checkout® Yes Yes Yes
USB Visa® and American Express® Credit Cards5 Yes Yes Yes

Click here to learn about e-Checking

Updated April 24, 2017

Relationship Checking

Annual Percentage Yield (APY)*

 

$0.01 - $4,999.99

0.05%

$5,000.00 - $24,999.99

0.05%

$25,000.00 - $49,999.99

0.10%

$50,000.00 - $99,999.99

0.10%

$100,000.00+

0.15%

 

Interest Rate

 

 

$0.01 - $4,999.99

0.05%

$5,000.00 - $24,999.99

0.05%

$25,000.00 - $49,999.99

0.10%

$50,000.00 - $99,999.99

0.10%

$100,000.00+

0.15%

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

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.

1 There are 3 ways to waive the monthly service fee: maintain a minimum balance, combine deposit balances, or combine deposit and loan balances. Loan balances include consumer and mortgage loans.

2 Relationship Checking customers receive 8 free non-USB ATM transactions posted to the account during each calendar month. You will not be charged for using another bank’s ATM and we will reimburse the fee charged by the other bank. These transactions are per card regardless of whether the transaction occurs on your checking or savings account. 

3 The first 8 non-USB ATM transactions free per calendar month for the first 5 years of the account. Does not include non-USB ATM surcharges assessed by the other bank. The customer must be 18 years or older to receive the USB Debit Card as part of Classic Student Checking.

4 Overdraft protection options include automated savings transfers and Overdraft Protection Line of Credit. Subject to credit approval. Classic Student Checking customers must be 18 years or older or have an adult listed on the account to apply for an Overdraft Protection Line of Credit. Visit unionsavings.com or call 866.872.1866 for further information.

5 A separate application is required. Subject to credit approval. 

6 Deposits are insured up to FDIC limits.

Separate enrollment in Digital Wallets is required.

Apple Pay is a trademark of Apple Inc. Android Pay is a registered trademark of Google Inc. Samsung Pay is a registered trademark of SAMSUNG. Visa Checkout © 2016 Visa. All Rights Reserved.

*Fees may reduce earnings
**Rates may change after the account is opened