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Learn more about these products by speaking with one of our Checking product experts today or downloading our Personal Product Guide. Call, or contact us by completing our Secure Contact Form. We will respond promptly.

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ATM Savings

  • $100.00 minimum opening balance
  • $5.00 monthly service charge (if balance falls below $100.00) *
  • Interest is compounded daily and paid monthly **
  • $100.00 minimum balance to earn interest
  • Easy access ATM card (must maintain a $25.00 minimum to use ATM Card)
  • Transaction limits apply
  • Online Banking
  • Direct deposit
  • Free ATM Card
  • No transaction fee at Univeral Bank or Allpoint ATM's

Please refer to our Schedule and Fees for more information.
* Minimum balance is required or compensating balance of $10,000.00 in any other Universal Bank account to avoid monthly service charge.
** Refer to Rate Sheet for current rate.

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Personalization Settings



Universal Bank would like to personalize your banking experience. Please enter your first name below.

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to the web server.

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