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 0.10% on the portion of the daily balance over $15,000, resulting in a range from 4.07% to 0.11% APY depending on the accounts daily balance. If qualifications are not met, 0.10% APY will be paid on the entire daily balance in the account. Rates effective January 1, 2025.
*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
Reorder Checks
Union State Bank has partnered with Checks for Less to offer our customers convenient online check ordering. Receive 150 single checks for $25.50 and 125 duplicates for only $27.50. These prices include standard shipping, tax and your choice of check designs and a monogram or accent.
Business Checks cannot be ordered online. Please call the bank today for assistance. We are sorry for any inconvenience this may cause.
Reorder Checks Now
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.