Personal Checking

Checking Comparison Table                      Click here to open an account

Product	Premier	Loyalty	Legacy	Foundation
Interest Bearing
Premium Interest
Refund of ATM Fees*
Free Checks
Monthly Fee Waived**
Online\Mobile Banking
No Annual Fee Debit Card ***
Unlimited Transactions
	Learn More	Learn More	Learn More	Learn More

* Meet the account requirements to receive ATM fee refunds, see account disclosure for more details.

**Meet the account requirements to have the monthly fee waived, see account disclosure for more details.

*** Upon approval, certain restrictions apply.

Premier Checking

The complete banking package that gives you the most Bank for your buck!

What will I get?

• Premium interest rate on the first $20,000. A competitive interest rate on balances over $20,000 (if qualifiers are achieved)
• Up to $12 in ATM fees refunded each statement cycle (if qualifiers are achieved)
• Free Online Banking & Mobile Banking
• Free bill payment service
• No annual fee Debit card
• Unlimited Transactions

How much does it cost?

The monthly maintenance fee is $6.00. The maintenance fee is refunded if the three qualifiers are completed during the statement cycle.

How do I qualify?

• Have one ACH transaction post to the account during statement cycle,
• Have 25 or more debit card transactions posted during the statement cycle, and
• Receive the monthly statement as an eStatement

In order to receive the $12 in ATM fee refunds, you must have a minimum of 30 debit card transactions posted within the statement cycle in addition to the two other qualifiers.

Loyalty Checking

An account that honors banking relationships! Already have accounts with us? Time to be rewarded for them.

What will I get?

• A competitive rate of interest on your entire balance when your daily  balance is $1,000 or more.
• Receive an increase in the rate when Savings and Certificate exceed $5,000 and/or Loan balance exceed $25,000. *
• Free Online Banking & Mobile Banking
• Free bill payment service
• No annual fee Debit card
• Unlimited Transactions

How much does it cost?

Maintain an average balance of $1,000 during the statement cycle and the $5 monthly maintenance fee is waived.

*  Primary owner on the Loyalty Checking must be an owner on the related account.

Legacy Checking

A low maintenance account that gives a little back. And did we mention the free checks? Available for those customers 55 years of age and older.

What will I get?

• A competitive rate of interest on your entire balance when your daily balance is $1,000 or more.
• Free club checks, wallet style
• Free Online Banking & Mobile Banking
• Free bill payment service
• No annual fee Debit card
• Unlimited Transactions

How much does it cost?

Maintain an average balance of $1,000 during the statement cycle and the $4 monthly maintenance fee is waived.

Foundation Checking

Looking for an account that provides the banking basics you need? This is the account for you – no hassle, no worries! 

What will I get?

• Online Banking & Mobile Banking
• UPay, our bill payment service
• No annual fee Debit card
• Unlimited Transactions

How much does it cost?

Maintain an average balance of 1,000 during the statement cycle and the $4 monthly electronic services fee is waived. You can also have the monthly electronic services fee refunded if you complete one of the following:

• Receive the monthly statement as an eStatement
• Combine the statement on another UBT Checking account statement
• Have 15 or more debit card transactions posted during the statement cycle

The monthly electronic services fee is refunded until the Primary account holder reaches the age of 18, even if the other requirements are not met.

Health Savings

An account to help pay for high-cost healthcare expenses. For eligible customers who have a high-deductible healthcare plan.

What will I get?

• Tax-free distributions for healthcare expenses.

• Tax-deductible contributions.

• Visa® debit card.

• Free introductory order of HSA checks.

• A competitive interest rate paid on collected balances based on the following tiers:

  Tier 1	$.01-2,500.00
  Tier 2	$2,500.01-10,000.00
  Tier 3	$10,000.01-25,000.00
  Tier 4	$25,000.01 and over

• Ability to transfer long-term balances to our higher yielding 12-month HSA CD.

What will it cost me?

• There is an annual fee of $25.00. There is an initial set up fee of $35.00, which includes the first year's annual fee.

• There are no monthly maintenance fees. In person and telephone withdrawals/transfers are $1.00 each.

If you are interested in our Health Savings account, please call or stop by any of our branches for complete details and eligibility requirements.