At Universal Bank, we offer a variety of checking accounts to personally meet your financial needs.

Which checking account works best for you?

Economy Checking

• Opening Balance: $50.00
• Minimum Balance: None
• ATM Card (1)
• Non-Interest Bearing
• Unlimited Check Writing, See Disclosure for Details

Community Checking Account

• Opening Balance: $50.00
• Minimum Balance: None
• Non-Interest Bearing
• Unlimited Check Writing
• Free Checks (First Order Only-50 Checks)
• No Monthly Service Charge

Super Checking

• Opening Balance: $250.00
• Minimum Balance: $1,500.00
• No interest earned on balance under $100.00
• Interest compounds daily and is paid monthly.
• Variable interest bearing account (2)
• ATM Card (1)
• Free Checks (First Order Only-50 Checks)
• Unlimited Check Writing
• $10.00 Monthly Service Charge (3)

Money Market Checking Account

• Opening Balance: $100.00
• Minimum Balance: $1,000.00
• Interest compounds daily and paid monthly
• Variable interest bearing account (2)
• ATM Card (1)
• Limited Check Writing
• Limited Withdrawals, See disclosure for more details
• $15.00 Monthly Service Charge (3)

VIP Checking Account

• Opening Balance: $2,500.00
• Minimum Balance: $2,500.00
• Interest compounds daily and paid monthly
• Variable interest bearing account (2)
• ATM Card (1)
• No Per-Check Fees
• Unlimited Check Writing
• $15.00 Monthly Service Charge

Direct Deposit is offered free on all accounts.

(1.) Free unlimited use of Universal Bank’s ATM’s.

(2.) Annual Percentage Yields (APY) varies according to account balances.

(3.) Minimum balance is required or compensating balance of $10,000.00 in any other Universal Bank Account to avoid monthly service charge