Checking/Savings Accounts from Union State Bank

We offer a variety of checking and saving accounts to help provide the ideal solution for you. Check the table below to see which account is best for you.

 

Regular Checking

Regular Savings

NOW

Super NOW

Requirements

$100 minimum balance to open

$100 minimum balance to open; no more than 3 withdrawals/month without a fee; no more than 6 transfers/month

$1,000 minimum balance to open; must maintain minimum of $1,000 average daily balance per monthly statement cycle

$2,500 minimum balance to open; must maintain minimum of $2,500 average daily balance per monthly statement cycle

Benefits

No minimum balance; no limit on number of checks written

Easy to access funds; no monthly maintenance fee if minimum average daily balance requirement met; interest on balance compounded daily and credited monthly or quarterly; interest accrual begins on the business day you deposit noncash items

No monthly maintenance fee; no per-check debit charge fee; interest balance compounded daily, credited monthly to account; interest accrual begins on the business day you deposit noncash items

Higher interest rate than NOW accounts; no monthly maintenance fee; no per-check debit fee; interest on balance compounded daily, credited monthly; interest accrual begins on the business day you deposit noncash items

Costs

$4.00 monthly maintenance fee; $0.15 debit charge fee for each debit (fee waived with debit card); $0.30 fee for ATM withdrawals

$0.50 fee if average daily balance falls below $100 within monthly statement cycle; $0.30 debit fee for ATM withdrawal; $0.50 fee for each withdrawal, transfer, or combination of the two over 3/monthly statement cycle

Maintenance fee of $10.00 if average daily balance falls below $1,000 during monthly statement cycle; $0.30 debit fee for ATM withdrawal

Maintenance fee of $10.00 if average daily balance falls below $2,500 during monthly statement cycle; $0.30 debit fee for ATM withdrawal

 

IRAs

You can choose between both traditional and Roth IRAs. A simplified view of the difference between these two types of IRAs: traditional IRA deposits are not taxed, but withdrawals are; Roth IRA deposits are taxed, while withdrawals are not.

Both options allow you to put away money to use during retirement and are great financial tools for anyone.

 

Requirements

Benefits

Costs

IRAs (traditional & Roth)

$100 minimum balance to open

Competitive rates; no monthly maintenance fee; interest balance compounded daily, credited semi-annually; interest begins to accrue on the business day you deposit funds

No maintenance fees

 

Contact either of our branches today to speak with our experienced bankers about opening any of these accounts.