Checking Accounts

Choose The Checking Account That’s Right For You

At UBTC, we believe in giving you the power of choice. We offer a wide range of checking account including the following features and services:

• Automatic transfers
• Night depositories
• ATM Card
• SHAZAMChek EMV-chip debit card
• Online banking and BillPayer option
• Overdraft protection

Compare Our Checking Accounts

Account Name	Features	Monthly Service Fee	Interest	Transaction Fee	Check Images
E-Checking	Free Account Free Online Banking E-statements	None	None	None	Available through Online Banking
Basic Checking	Economically fulfills your basic checking account needs	Dependent on average daily balance; earnings credits apply	None	None, if check/debit transaction limit is not exceeded*	Included with monthly statement1
Bank Club Checking	Free checks Accidental death insurance Plus much more!	Choose from our Basic, Personal or Family plans	None	None, if check/debit transaction limit is not exceeded*	Included with monthly statement1
Valu Checking	Unlimited check writing	Dependent on average daily balance	None	None	Not included2
Interest Checking	Account balances earn interest	None, if minimum balance is maintained	Competitive rate; compounded monthly	None, if check/debit transaction limit is not exceeded*	Included with monthly statement1
Senior Checking	Free checks No monthly fees or balance requirements	None	None	None, if check/debit transaction limit is not exceeded*	Included with monthly statement1
Senior Interest Checking	Account balances earn interest	None, if minimum balance is maintained	Competitive rate; compounded monthly	None, if check/debit transaction limit is not exceeded*	Included with monthly statement1

*Debit card transactions are excluded from this transaction count
¹E-Statement Option with free Online Banking is available. Visit with UBTC for details. 
²Imaging Option is available. Visit with UBTC for details.

What You Need to Open an Account

The following information is needed to open an account, including joint account owners:

1. Photo ID
2. Social Security number
3. Street address
4. Mailing address (if different from street address)
5. Date of birth
6. Daytime and evening phone number

If switching direct deposits and/or automatic withdrawals to your new UBTC account, we make it easy by following these additional steps:

You provide us with:

1. Three most recent statements from your former bank.
2. A recent statement from each originator of automatic withdrawals and direct deposits to confirm names, addresses and account numbers.

We do the paperwork.

1. We obtain and prepare the appropriate authorization forms to switch your transactions to UBTC.
2. After you sign the authorization forms, we send them to the originator of each automatic transaction.

Stop using your old bank account.

1. Keep sufficient funds in your old account to cover any outstanding checks, automatic withdrawals and service charges for at least 60 days.
2. Destroy any unused checks, deposit slips and ATM or debit cards from your old account.

Close your old account.

1. Be sure all outstanding checks have cleared your old account and that all automatic withdrawals and deposits have switched over to your new UBTC account.