Universal Bank offers a variety of checking accounts to meet your personal financial needs.
For your convenience Universal Bank Checking accounts offer:

24/7 TouchTone Teller – Provides automated Account information 24 hours a day, 7 days a week.

Online Banking - Easily manage your account online from the convenience of home or office. Online Banking allows you to view account balance, account activity, or transfer funds between accounts with ease.

Direct Deposit – Safe, fast and convenient way to have your payroll, social security benefits, tax refunds or pension electronically deposited into your Universal Bank account.

Community Checking Account

• No Monthly Service Charge
• $50.00 Minimum Opening Balance
• Unlimited Check Writing
• Free Wallet Style Standard Checks (first order only)
• Free VISA® Check Card
• NO Transaction Fees at Universal Bank or Allpoint ATM’s

Money Market Checking Account

• $15.00 Monthly Service Charge (if balance falls below $2,500.00) *
• $100.00 Minimum Opening Balance
• 6 Preauthorized Transfers Per Statement Cycle**
• Free VISA® Check Card
• NO Transaction Fees at Universal Bank or Allpoint ATM’s
• Interest Bearing – Interest Compounded Daily and Paid Monthly
• 100.00 Minimum Balance to Earn Interest

VIP Checking Account

• $25.00 Monthly Service Charge (if balance falls below $1,500.00) *
• $500.00 Minimum Opening Balance
• Unlimited Check Writing
• Free Wallet Style Standard Checks (first order only)
• Free VISA® Check Card
• NO Transaction Fees at Universal Bank or Allpoint ATM’s
• Interest Bearing – Interest Compounded Daily and Paid Monthly
• $2,500.00 Minimum Balance to Earn Interest
• 3 Complimentary Cashiers Checks or Money Orders per Month
• Complimentary 2x5 Safe Deposit Box (When packaged with a Savings Account)

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* Minimum balance is required or compensating balance of $10,000.00 in any other Universal Bank account to avoid monthly service charge.

** In addition $10.00 per check fee if exceeding 3 checks per cycle.