When you open an account, you’ll get:
  • A $50 Visa gift card*
  • Contactless USB Debit Card (get it right away at a branch!)
  • Real-time fraud monitoring and alerts for your ​contactless USB Debit Card
  • On-the-go banking with our USB Mobile App
  • Early Payday to get paid up to two days early
  • Access to friendly, knowledgeable staff
  • And more accounts benefits

Two types of accounts to choose from.

Access Checking
Interest-earning checking and unlimited ATM transactions.
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Essential Checking
No monthly service fee and a free companion savings account.
Find a Branch

Give us a call at 866.872.1866

Visit a branch


*To receive a $50 Visa gift card, refer a friend to open a new USB Access Checking or Essential Checking account. Then your friend has to complete a qualifying activity within 60 days of account opening. Qualifying activity your friend must complete: must complete one of the following: 1. One direct deposit to new checking account – must 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. OR 2. Make 10 USB Debit Card purchases (signature or PIN). ATM transactions do not qualify. Due to privacy regulations, USB is unable to disclose the status of your referred friend’s account opening and account usage. Your gift card will be delivered within 60 days of the referred customer meeting all requirements. Referred customer must open a new USB personal checking account and cannot have any existing personal USB checking accounts. Employees of USB are not eligible to receive the $50 referral gift. Offer may be canceled without notice. Offer is valid for new accounts referred and opened between September 24, 2021, through December 31, 2021. The maximum you can earn by referring new USB customers is $500 per qualifying customer per calendar year. Your participation in this program may result in the receipt of taxable income from USB and we may be required to send to you, and file with the IRS, a Form 1099- MISC (miscellaneous income). You are responsible for any tax liability, including disclosure requirements, related to participating in this program. Please consult your tax advisor if you have any questions about your personal tax situation.

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