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
Watch a demo of Personal Internet Banking with Online BillPay. (requires Adobe Flash Player)
Don’t run out! Reorder your checks today.
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
Open a Christmas Club or Vacation Club Account to work toward your short-term saving goals.
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
Open your Student Savings Account or Penny Express Savings Account for an easy way to start saving for the future.
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
Online Banking Login
What We Offer
The USB Difference
“From the city to the farm, banking served with Southern charm!”
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