Banking Services

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Learn more about these products by speaking with one of our Banking Services 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 is committed to provide you with a suite of banking services to meet your financial and service needs.

We invite you to visit any one of our branches and speak with our friendly and knowledgeable staff members or call us at (888) 671-1888.

Allpoint ATM Network

Universal Bank is a member of the largest surcharge-free ATM network, Allpoint. With over 37,000 ATM’s, Allpoint is your single source for surcharge-free ATM access, coast to coast. Allpoint provides you with unmatched convenience and savings. Allpoint ATM’s are located at National and Regional retailers such as 7-Eleven, Target, and Costco.


Safe Deposit Box *

Store your valuables in a safe place. Universal Bank offers Safe Deposit boxes at low rates.

VISA Debit Card

Commonly referred to as a debit card, the Universal ATM VISA Debit Card works like a check, only better. Just swipe your card, sign the receipt and go. Funds are withdrawn directly from your checking account. It's faster and safer than cash or checks. It’s a convenient way to pay for your everyday purchases from your checking account.

ATM and Debit Card Services

ATM's make it even easier and convenient to conduct your financial transactions anytime of the day or night. Your ATM card will give you access to your savings or checking account, around the clock. You'll no longer have to wait in long lines. All you need is your ATM card and your personal identification number (PIN) to start taking advantage of this great service. Look for Cirrus, Allpoint or Star System logos at the ATM near you.

Official Checks

Official Checks are available at all Universal Bank branches.

Wire Transfers

Wire transfer service is available at all Universal Bank branches.

24/7 Telephone Banking

Access your money around the clock with our 24/7 TouchTone Automated Telephone Banking System. You may access your deposit account balances or transfer funds between accounts.

CD Secured Line of Credit

A CD Secured Loan is a secure and risk-free consumer loan secured by your own Certificate of Deposit (CD). The process is fast and easy, and better yet, there is no loan application to complete.

Savings Bond Redemption **

All Universal Bank branches can assist you with your Bond redemption.

Automatic Loan Payments

Don’t worry about late payments any longer. Set up automatic loan payments from your savings or checking account.

Direct Deposit of Payroll and U.S. Treasury Checks

Direct deposit is a safe, fast and convenient way to have your payroll, social security benefits, tax refunds or pension funds electronically and automatically deposited into your Universal Bank checking or savings account.

To start direct deposit of your paycheck to your account, simply contact your employer's Human Resource Department. Provide your employer with your Universal Bank account number and our Routing or Transit Number: 322270275. You may also initiate direct deposit of your U.S. Treasury check by visiting or by calling Social Security at (800) 772-1213. Direct deposit is safer, more secure and more convenient than receiving your payment by check in the mail. It's a simple, secure and speedy way to have immediate access to your money.

Cashier's Checks

Cashier checks are available at all Universal Bank branches.

Mad Money ***

Mad Money is a unique money gift program available only during the holidays. Mad Money is currency “check books” containing new bills in denominations of $1.00, $5.00 or $20.00 bills. (Fee may apply)

MasterCard/VISA Cash Advances **

Need cash quickly? All Universal Bank branches can assist you with obtaining a cash advance from your MasterCard or VISA credit cards. (Restrictions may apply)

Overdraft Protector

Sign up for our Overdraft Protector and avoid paying for returned checks due to insufficient funds. Overdraft Protector will debit funds from your savings account and credit your checking account as needed to pay your checks. (Transaction limitations may apply)

VISA Credit Card

Apply for a Universal Bank credit card provided through Elan. It works everywhere VISA is accepted.

Our Bank Operations representatives are available to assist you Monday through Friday, from 9:00 am to 5:00 pm. Please allow us to help you bank better with Universal Bank.

Bank Operations Department
(888) 671-1888

Please review our Schedule of Fees for applicable fees.

*Safe Deposit Boxes are not available in all of our locations
**These services are also available for non-customers.
***Available during the Christmas Holidays only
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