Community Checking
Community Checking is one of our most popular accounts and it gives you access to more than 55,000 surcharge free ATMs through the Allpoint Network. You will also be able to manage your money, deposit checks, pay bills, or transfer money to people on the go, all through the Universal Bank Mobile App or Online Banking. Easy for you to fulfill your daily banking needs.
- $100.00 minimum opening deposit
- A $15.00 monthly service charge will be assessed if daily balance falls below $500.00*
Benefits:
- Unlimited deposits and check writing
- Online Banking or check deposit using Mobile Banking app.
- Pay bills with Bill Pay
- Send or receive money with Zelle
- Receive money with Direct Deposit
- 24/7 TouchTone Teller
- Visa Debit card or ATM card
* Minimum balance is required or compensating balance of $10,000.00 in any other Universal Bank account to avoid monthly service charge
Allpoint ATM Locator No transaction fees at all Allpoint Kiosk ATM nationwide and all Citibank Branch ATM’s location only
Basic Interest Checking
Earn a little extra with our Basic Interest Checking which accrues interest* on the money in the account. Enjoy the convenience of over 55,000 surcharge-free ATMs through the Allpoint Network. You will also be able to manage your money, deposit checks, pay bills, or transfer money to people on the go, all through the Universal Bank Mobile App or Online Banking. Easy for you to fulfill your daily banking needs.
- $100.00 minimum opening deposit
- $25.00 monthly service charge will be assessed if the daily balance falls below $1,500.00**
Benefits
- Interest-bearing*
- Unlimited deposits and check writing
- Online Banking or check deposit using Mobile Banking app
- Pay bills with Bill Pay
- Send or receive money with Zelle
- Receive money with Direct Deposit
- 24/7 TouchTone Teller
- Visa Debit card or ATM card
- No transaction fees at all Allpoint Kiosk ATM nationwide and all Citibank Branch ATM’s location only
- Allpoint ATM Locator
*Refer to bank rate sheet for current rates and APY
** Minimum balance is required or compensating balance of $10,000.00 in any other Universal Bank account to avoid monthly service charge.
Foothill Unity Center Checking Account
Universal Bank will match the interest earned* and donate it to Foothill Unity Center. Our customers will enjoy knowing that their checking account will promote and contribute to a charitable non-profit organization. You also get to enjoy the convenience of over 55,000 surcharge-free ATMs through the Allpoint Network. You will also be able to manage your money, deposit checks, pay bills, or transfer money to people on the go, all through the Universal Bank Mobile App or Online Banking. Easy for you to fulfill your daily banking needs.
- $1,500.00 minimum opening deposit
- A $25.00 monthly service charge will be assessed if the daily balance falls below $1,500.00**
Benefits
- Interest-bearing*
- Unlimited deposits and check writing
- Online Banking or check deposit using Mobile Banking App
- Pay bills with Bill Pay
- Send or receive money with Zelle
- Receive money with Direct Deposit
- 24/7 TouchTone Teller
- Visa Debit card or ATM card
- No transaction fees at all Allpoint Kiosk ATM nationwide and all Citibank Branch ATM’s location only
- Allpoint ATM Locator
Refer to bank rate sheet for current rates and APY
** Minimum balance is required or compensating balance of $10,000.00 in any other Universal Bank account to avoid monthly service charge.