Access Checking Full-featured checking to accelerate your earnings

Get your hard-earned money working harder for you with our interest-earning checking account featuring unlimited ATM transactions.

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Access Checking Account Features

  • Free, unlimited ATM transactions
  • $0 or low monthly service fee1
  • Earn interest on your balance
  • No charge for first order of checks* (40-pack USB variety checks)
  • Access to Zelle® – quickly and easily send money to friends, for free in our app.
  • Early Payday gets you paid up to two days earlier
  • Spending Insights – analyzes your spending to make budgeting easier
  • Contactless USB Debit Card (get it right away at a branch!)
  • Real-time fraud monitoring and alerts for your contactless USB Debit Card
  • Debit card controls within the USB Mobile App so you can control spending, review transactions, and reduce the chance of fraud
  • $0 monthly service fee Access Savings account 2
  • USB Online Banking with Bill Pay
  • Mobile check deposit with the USB Mobile App
  • Add your USB Debit Card to a Digital Wallet
  • Free paperless eStatements
  • Free paper statement
  • Always excellent customer service

USB Spending Insights

Get daily snapshots of your expenses

So you know when to spend and when to save.

Learn more

$0 Monthly Service Fee

When You Meet Any of the Following Criteria:

  • Maintain a minimum balance of $5,000 OR
  • Maintain combined deposit balances of $25,000, OR
  • Maintain combined deposit and loan balances of $50,000. Loan balances include consumer and residential mortgage loans.
Otherwise a $20 monthly service fee will apply
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Looking for a Better Fit?

ESSENTIAL CHECKING
No monthly service fee checking and a free companion savings account
Account Details

Meet With a FutureTrack Money Mentor

Union Savings Bank customers get access to FutureTrack – personalized advice and digital tools to help you reach your financial goals, whatever they may be.

Learn more

FutureTrack We Love to Save Blog

USB Rates

Access Checking
Updated December 30, 2024
    • Annual Percentage Yield (APY)**
    • $0.01 - $4,999.99
    • 0.03%
    • $5,000.00 - $24,999.99
    • 0.03%
    • $25,000.00 - $49,999.99
    • 0.04%
    • $50,000.00 - $99,999.99
    • 0.06%
    • $100,000.00+
    • 0.08%
    • Interest Rate
    • $0.01 - $4,999.99
    • 0.03%
    • $5,000.00 - $24,999.99
    • 0.03%
    • $25,000.00 - $49,999.99
    • 0.04%
    • $50,000.00 - $99,999.99
    • 0.06%
    • $100,000.00+
    • 0.08%
    • Frequency of Rate Change***
    • Variable
    • Interest Compounding
    • Monthly
    • Interest Credited
    • Monthly
    • Minimum Balance to Open Account
    • $50.00
    • Minimum Balance to Earn APY
    • $0.01

Disclaimers

1 There are 3 ways to waive the monthly service fee: maintain a minimum balance of $5,000, combined deposit balances of $25,000, or combined deposit and loan balances of $50,000. Loan balances include consumer and mortgage loans.

2 No $5 monthly service fee when primary owner of Access Savings account is an owner of Access Checking account.

*Fees may reduce earnings

**Rates may change after the account is opened

Zelle and the Zelle related trademarks are wholly owned by Early Warning Services, LLC and are used herein under license. Terms and conditions apply.

If account becomes overdrawn, fees may be assessed. Please see our Schedule of Interest and Deposit Account Charges or call 866.872.1866 for further information.

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