Checking

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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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Universal Bank offers checking accounts to meet your personal and financial needs. We offer VIP Checking and Community Checking.

Which checking account works best for you?

VIP Checking

  • $500.00 minimum opening balance
  • $25.00 a month service charge if balance falls below $1,500*
  • No interest if balance drops below $2,500**
  • No transaction fees at Universal Bank or Allpoint ATM's
  • Online Banking with Bill Pay
  • Direct deposit
  • 24/7 TouchTone Teller
  • Free Visa Debt Card or ATM Card
  • Unlimited check writing
* 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.

Community Checking

  • $50 Opening balance
  • No minimum balance required
  • None-interest bearing
  • Unlimited check writing
  • Online Banking with Bill Pay
  • Direct deposit
  • No transaction fees at Universal Bank or Allpoint ATM's
  • 24/7 TouchTone Teller
  • Free Visa Debt Card or ATM Card
  • Unlimited check writing
Please refer to our Schedule Of Fees for more information.

Personalization Settings

Welcome

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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