Access, Essential & Core
Three personal checking accounts tailored to your needs.
Access Checking
- Free, unlimited ATM transactions
- No or low monthly service fee1
- Early Payday so you get paid up to two days early
- Earn interest on your balance
- No monthly service fee Access Savings Account2
- And much more
Essential Checking
- No monthly service fee
- No monthly service fee Essential Savings account3
- Early Payday so you get paid up to two days early
- Get immediate access to a USB Debit Card that can be added to your digital wallet
- USB Mobile App with free access to Zelle®
- And much more
Core Checking
- Open with as little as $10
- $0 monthly service fee Essential Savings account3
- Early Payday so you get paid up to two days early
- Get immediate access to a USB Debit Card that can be added to your digital wallet
- Comes with our suite of digital banking tools and free access to Zelle®
- And much more
Disclaimers
*To receive up to $150.00 bonus, open a new Essential Checking account (subject to approval) as the primary account holder and deposit $25 or more at account opening; or open a new Core Checking account (subject to approval) as the primary account holder and deposit $10 or more at account opening. Get $50.00 if you make one qualifying direct deposit within 60 days of opening the account; and/or get $50.00 when you open a USB Debit Card and make 10 debit card purchases (signature or PIN) within 60 days of opening the account. ATM transactions do not qualify. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, bank transfers or other electronic money transfers, such as those made through internet payment services, do not qualify. Additionally, get $50 when you open an Essential Savings Account as the primary account holder at the same time as the checking account, and maintain a $500 average balance or more for 60 days from the date of account opening. New USB savings customers only.
To receive up to $300.00 bonus, open a new Access Checking account (subject to approval) as the primary account holder and deposit $50 or more at account opening. Get $150.00 if you make one qualifying direct deposit within 60 days of opening the account. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, bank transfers or other electronic money transfers, such as those made through internet payment services, do not qualify. Additionally, get $150.00 when you open a companion Access Savings account as the primary account holder at the same time as the checking account and maintain an average balance of $15,000 or more for 60 days from the date of account opening. New USB savings customers only.
Offer is valid from February 10, 2025, through April 30, 2025. Offer not available to existing USB personal checking customers (either primary or secondary on the account), or those customers whose personal checking or savings accounts have been closed within the previous 12 months. Limit one offer per customer. Promotion may be canceled without notice. Bonus amounts will be credited to checking and/or savings account between May 1, 2025, and July 31, 2025, depending on the date you open the account. Account must be open and in good standing to receive bonus. Bonuses are subject to 1099 IRS reporting requirements. Employees of Union Savings Bank are not eligible.
Visit unionsavings.com for complete details. Member FDIC.
1 There are 3 ways to waive the Access Checking 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.
3 No $3 monthly service fee when primary owner of Essential Savings account is an owner of Essential or Core Checking account.
4 If you do not have sufficient funds available in your account to cover a transaction, the transaction will be declined in most cases. It is possible for the account to be overdrawn and have a negative balance, but no overdraft fees will be charged.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. This promotion is in no way sponsored, endorsed, administered by or associated with Early Warning Services, LLC or Zelle®.