Checking

Union State Bank offers a variety of checking accounts designed to fit your lifestyle and make managing your finances easier. Our pleasant, knowledgeable and friendly staff will help you find the personal account that best fits your needs.

Account Options

All Union State Bank checking accounts offer:

Free Online Banking & Bill Pay
Free Mobile Banking
Free Mobile Deposit
Free eStatements
No annual fee Mastercard^® debit card

Easy Checking

Minimum $25 opening deposit
No minimum balance requirements, monthly service charge or maintenance fee
Monthly detailed statements

Personal Now Account

$500 minimum daily balance requirement
Service charges are imposed if the $500 daily balance is not maintained
Interest is compounded and credited monthly
ONE FREE box of Checks per year
Monthly detailed statements
Interest rate and Annual Percentage Yield may change at Bank’s discretion

*Fees could reduce the earnings on this account.

Ultimate Checking

Minimum $25 opening deposit
No minimum balance requirements
Interest will be compounded and credited monthly
Interest rate and Annual Percentage Yield may change at Bank’s discretion
$5.00 paper statement fee will apply each month if you do not accept eStatements

Qualifications to receive 4.07% APY* include:

One direct deposit post per monthly statement cycle
Have 10 POS Purchases with your debit card post to your account per monthly statement cycle. (Includes PIN and Signature base transaction. ATM Cash Withdrawals do not apply toward these qualifications)
Sign into Online Banking once during monthly statement cycle
Receive eStatements
Use Bill Pay one time during the monthly statement cycle

*Annual Percentage Yield. 4.07% APY will be paid on the entire daily balance up to $15,000. Earn an interest rate of 0.20% on the portion of the daily balance over $15,000, resulting in a range from 4.07% to 0.21% APY depending on the accounts daily balance. If qualifications are not met, 0.20% APY will be paid on the entire daily balance in the account. Rates effective November 1, 2024.
*Fees could reduce the earnings on this account.

Student Plus Checking

Designed for Students and Young Adults under the age of 24!

Minimum $25 opening deposit
No minimum balance requirements
Up to $10 of non-Union State Bank ATM fees refunded
ONE FREE box of Checks per year
$5.00 paper statement fee will apply each month if you do not accept eStatements

Qualifications to receive refunded non-USB ATM fees:

Have 10 POS purchases with your debit card post to your account per monthly statement cycle. (Includes PIN and signature base transactions. ATM Cash withdrawals do not apply toward these qualifications.)
Sign into Online Banking once during the monthly statement cycle.
Receive eStatements

Health Savings Accounts (HSA)

HSA's are available to individuals covered by a qualified high deductible health plan. Contributions can be provided by both employers and employees and are tax deductible.

HSA earnings are tax-deferred
If used for qualified medical expenses, HSA assets are never taxed
Unused HSA assets may be used for retirement, but they will be subject to a 10% penalty if withdrawn before the account beneficiary turns age 65; and if not used for medical expenses, will be subject to income taxes.
Interest rate and Annual Percentage Yield may change at Bank’s discretion
$5.00 paper statement fee will apply each month if you do not accept eStatements

Get Started

Union State Bank will help make the transition easier, we will help you transfer your existing direct deposits or automatic payments. Call us today to help you find the personal account that best fits your needs.

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