Where Customers and Community Come First

Personal Checking

Choose what suits your individual needs.

Easy Checking

Our most poplular checking account

  • Minimum $25 opening deposit
  • No minimum balance requirements, monthly service charge or maintenance fee
  • Debit Card is available
  • Monthly detailed statements
  • Images of checks available online
  • A variety of check styles available and can be reordered online
  • FREE Internet Banking & Bill Pay
  • FREE Mobile Banking
  • eStatements are available

Personal Now Account

If you maintain a higher balance and wish to earn interest

  • $500 minimum daily balance requirement
  • Service charges are imposed if the $500 daily balance is not maintained
  • Interest is compounded and credited monthly
  • FREE Debit Card available
  • Monthly detailed statements include images of your checks
  • Interest rate and Annual Percentage Yield may change periodically
  • FREE Intermet Banking & Bill Pay
  • FREE Mobile Banking
  • eStatements are available

Ultimate Checking

Our highest interest checking account with Free Debit Card

  • No minimum balance requirements
  • $25 minimum opening deposit
  • If your daily balance is $15,000 or less, the interest rate paid on the entire balance in your account will be 2.00% with an annual percentage yield of 2.02%, if you qualify
  • An interest rate of .10% with an APY of .10% will be paid only for the portion of your daily balance that is greater than $15,000
  • Interest rate and Annual percentage Yield may change periodically
  • FREE Internet Banking & Bill Pay
  • FREE Mobile Banking

Qualifications to receive 2.02% APY include: (If you do not meet the qualifications, the rate you will receive is .10% with an APY of .10%)

  • 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 in to Internet Banking once during monthly statement cycle
  • Receive eStatements
  • Use Bill Pay one time during the monthly statement cycle

Automatic Transfers

Overdrawn?  We offer this great option!

  • Personal Line of Credit – Once you have applied and been approved for a personal line of credit linked to your checking account, automatic advances are made for overdrawn amounts up to your bank-approved line of credit.

Direct Deposit

Want your paycheck and other important checks directly deposited into your Union State Bank account?  You will have prompt access to the money you need automatically.  We handle all the details with no charge.

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