Universal Bank offers a variety of Savings 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.

ATM Savings

• $5.00 Monthly Service Charge (if balance falls below $100.00) *
• $100.00 Minimum Opening Balance
• 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)
• Unlimited Deposits and Withdrawals at Universal Bank ATM’s.
• Access to Allpoint Network

Money Market Savings Account

• $1.50 Monthly Service Charge (if balance falls below $100.00) *
• $100.00 Minimum Opening Balance
• Interest is Compounded Daily and Paid Monthly **
• $200.00 Minimum Balance to Earn Interest
• 6 Preauthorized Withdrawals Permitted Per Statement Cycle

Young Savers

• No Monthly Service Charge
• $1.00 Minimum Opening Balance
• Interest is Compounded Daily and Paid Monthly **
• Unlimited Deposits and Withdrawals at Universal Bank ATM’s.
• Access to Allpoint Network

Minor may open the account with an adult as joint signer.

Certificates of Deposit (CD) Tell me more

Open a CD with as little as $1,000.00.
Terms range from 30 Days to 3 Years.
Any Universal Bank CD may qualify as an IRA.

• No Monthly Service Charge
• Interest is Compounded Daily and Paid Monthly **
• Penalty-Free Withdrawal at Maturity.

Direct Deposit not available on CD Accounts.

For more information, please see Certificates of Deposit.

Individual Retirement Account (IRA) Tell me more

Plan for your future, open a Universal Bank Individual Retirement
Account (IRA) today!
Universal Bank offers Traditional, ROTH and Educational IRA’s.

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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.

** Tiered Interest Rates. Refer to RATE SHEET for current rate