Essential Checking Versatile checking for your active life

Our no monthly service fee checking account has the ease and convenience you expect, all the latest security protections you need and a free companion savings account1.

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Essential Checking Account Features

  • $0 monthly service fee
  • Early Payday gets you get paid up to two days earlier
  • Six free non-USB ATM transactions for ages 15-242
  • Add your USB Debit Card to a Digital Wallet
  • Access to Zelle® – quickly and easily send money to friends, for free in our app.
  • Spending Insights – analyzes your spending to make budgeting easier
  • $0 monthly service fee Essential Savings account1
  • Contactless USB Debit Card (get it right away at a branch!)
  • Real-time fraud monitoring and alerts for your contactless USB Debit Card
  • No charge to use USB ATMs with 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
  • USB Online Banking with Bill Pay
  • Mobile check deposit with the USB Mobile App
  • Free paperless eStatements
  • Free paper statement for primary owner 60 years or older 1
  • Always excellent customer service

Looking for a Better Fit?

ACCESS CHECKING
Interest-earning checking and unlimited ATM transactions
Account Details
CORE CHECKING
Worry-free checking with no overdraft fees
Account Details

USB Spending Insights

Get daily snapshots of your expenses

So you can see the big picture of your spending

Learn more

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

Disclaimers

1 No $3 monthly service fee when primary owner of Essential Savings account is an owner of Essential Checking account; account subject to $3 monthly paper statement fee if primary owner is under 60 years of age.

2 Non-USB ATM transaction fee waived up to 6 times per statement cycle for ages 15-24 (age based on primary owner).
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.

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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