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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:

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

Compare Our Checking Accounts

Account NameFeaturesMonthly Service FeeInterestTransaction FeeCheck 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 CheckingUnlimited check writingDependent on average daily balanceNoneNoneNot included2
Interest CheckingAccount balances earn interestNone, if minimum balance is maintainedCompetitive rate; compounded monthlyNone, if check/debit transaction limit is not exceeded*Included with monthly statement1
Senior Checking

Free checks

No monthly fees or balance requirements

NoneNoneNone, if check/debit transaction limit is not exceeded*Included with monthly statement1
Senior Interest CheckingAccount balances earn interestNone, if minimum balance is maintainedCompetitive rate; compounded monthlyNone, 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.

Open a Checking Account

If you want to know which checking account will best meet your needs, stop in to one of our offices to speak with our team.

Visit Our Office
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Loans for Your Business

Our lenders can create a loan for businesses of any size to help them grow and thrive in our communities.

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Manage Your Accounts Online

Utilize Online & Mobile Banking to manage your UBTC accounts from nearly anywhere.

Manage Your Accounts

Meet Our Helpful Staff

Meet the team at UBTC that is ready to handle all of your banking needs.

Meet the Team