Personal Checking

USB has several personal checking account options.

PERSONAL CHECKING

Basic checking account with no fee if a minimum $700 balance is maintained

• Unlimited check writing
• Free ATM card or Visa® Check Card (with approval)
• Free Internet Banking
• Minimum opening deposit:  $100
• No monthly fee if minimum daily balance is $700
  • $700 and up:     No fee
  • $500 – $699:     $5.00 /mo
  • $300 – $499:     $6.00 /mo
  • $100 – $299:      $7.00 /mo
  • $99 or less:         $8.00 /mo

PRIMARY CLUB CHECKING

Checking account with value-added services for a low monthly fee

• Value-added services
  • $10,000 Accidental death insurance policy (see policy for details)
  • Free personal checks
  • Free cashier’s checks
  • Free notary service
  • Free photocopying service
  • Discount gift cards
  • Rx Advantage prescription discount card
• Unlimited check writing
• Free ATM card or Visa® Check Card (with approval)
• Free Internet Banking
• Minimum opening deposit:  $100
• No minimum balance required
• Monthly fee:  $8.00

COMPLETE CLUB CHECKING

All the benefits of Primary Club Checking and more

• Same services as Primary Club Checking
• Additional value-added services
  • $2,500 Identity theft insurance
  • Fraud assistance
  • Daily credit monitoring service
  • Cash rewards program
• Unlimited check writing
• Free ATM card or Visa® Check Card (with approval)
• Free Internet Banking
• Minimum opening deposit:  $100
• No minimum balance required
• Monthly fee
  • Standard Plan:  $9.00 /mo
  • Family Plan:      $10.00 /mo

CLUB 55+ CHECKING

Checking account with a lower monthly fee for customers age 55+

• Available for customers age 55 and over (customer must notify bank of age)
• Save $2.00 per month on Primary Club Checking or a Complete Club Checking Account

SENIOR CHECKING

Checking account with no monthly fee and unlimited check writing for customers age 65+

• Available for customers age 65 and over (customer must notify bank of age)
• Unlimited check writing
• Free ATM card or Visa® Check Card (with approval)
• Free Internet Banking
• Minimum opening deposit:  $100
• No monthly maintenance fee

STUDENT CHECKING

Checking account for students with no monthly fee and unlimited check writing

• Available for full-time students age 23 and under (customer must notify bank of age)
• Unlimited check writing
• Free ATM card or Visa® Check Card (with approval)
• Free Internet Banking
• Minimum opening deposit:  $100
• No monthly maintenance fee

NOW ACCOUNT / NEGOTIABLE ORDER OF WITHDRAWL

Interest-bearing account with no fee if a minimum $1,000 balance is maintained

• Unlimited check writing
• Free ATM card or Visa® Check Card (with approval)
• Free Internet Banking
• Interest rates quoted weekly
• No monthly fee if minimum daily balance is $1,000
  • $1,000 and up: No fee
  • $999 or less:      $10.00 /mo

SUPER NOW ACCOUNT

NOW account with unlimited check writing and tiered interest rates

• Unlimited check writing
• Free ATM card or Visa® Check Card (with approval)
• Free Internet Banking
• Interest rates quoted weekly
• No monthly fee if minimum daily balance is $2,500
  • $2,500 and up: No fee
  • $2,499 or less:  $10.00 /mo

FREE E-CHECKING ACCOUNT

Basic checking account perfect for customers who write few checks

• Unlimited check writing
• Online statements only
• Minimum opening deposit:  $100
• No monthly maintenance fee

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