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Checking Accounts

At Union State Bank, you have a choice when it comes to your checking account. Perhaps you want a lot of features. Maybe you just want the basic services. Whatever your desire, we’ve got an account that will fit your needs! Following the description of each of our accounts is a chart that breaks down the features and fees that apply to them as well.

Student Checking – Personal finance skills are best learned at an early age. Moving from a savings account to our Student Checking account is a great step! With great money management tools such as mobile banking and eAlerts AND a free debit card, the Student Checking account is just right for your young adult.

Senior Checking – For our customers age 55 or better, this is an excellent no-frills checking account. It includes free checks and no monthly fee!

Free Checking – If you thought that free checking was a thing of the past, you’ll be glad to see it is still available at Union State Bank! No monthly fee and access to great features like free debit cards, online banking and more!

NOW Checking – Our interest-bearing checking account is great for those that carry a higher balance in their account, but want to avoid withdrawal restrictions.

Gen Gold & Senior Gen Gold – Our premium club checking account is packed with features! Accidental death insurance, concierge travel-planning services, plus many free bank services. All for a small monthly fee!

  Student Checking Senior Checking Free Checking Gen Gold & Senior Gen Gold NOW Account
FEATURES
Interest-bearing?       x x
Free Checks?   x   x  
Free Debit Card? x x x x x
Free Phone Banking? x x x x x
Free Online Banking? x x x x x
Free Imaged Statements Online? x x x x x
Paper Statements Available?   x   x x
Free Money Orders/Cashiers Checks?       x  
Mobile Banking / e-Alerts? x     x x
Online Billpay? $6.95 $6.95 $6.95 FREE* $6.95
ACCOUNT REQUIREMENTS/FEES
Minimum Deposit To Open $100 $100 $100 $100 $1,000
Minimum Balance to Earn Interest NA NA NA $1,000 None
Minimum Average Daily Balance to Avoid Service Charge NA NA NA None $2,500
Monthly Service Charge $0 $0 $0 $5.49 Senior $7.49 Regular $10.49 (Bal < $2,500)

*Online Billpay is free to Gen Gold customers as long as it is used to pay at least one bill per month.
The fee is $5.95 if this condition is not met. Customers can be deactivated from Online Billpay to avoid this charge.