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Checking

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Basic Interest 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
  • Visa Debit 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 this RATE SHEET for current rates.

Community Checking

  • $50 Opening balance
  • $25.00 monthly service charge if monthly average balance falls below $500*
  • Non-interest bearing
  • Mobile Banking with E-Statements
  • Bill Pay
  • Zelle
  • Unlimited check writing
  • 24/7 TouchTone Teller
  • Visa Debit Card
  • No transaction fees at Universal Bank or Allpoint ATM’s.

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

Corporate Hours & Info

3455 Nogales St. Floor #2
West Covina, CA 91792
(626) 854-2818
Monday – Friday: 8:30am-5:30pm
Saturday – Sunday: Closed

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