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Business Checking

Main
Product Name
Business Basic Checking*
Universal Business  Solution Checking**
Universal Business Executive Checking***
Account Analysis****
Best For
Small Volume
Medium Volume
Large Volume
Enterprise
Minimum Opening Deposit
$100
$100
$100
$100
 
Minimum Daily Average Balance Requirement to Avoid the Monthly Service Fee
 
 
$1,500
 
 
$25,000
 
 
$75,000
 
N/A
Monthly Service Fee
$15
$25
$75
$25
Interest-Bearing
N/A
N/A
N/A
N/A
Earnings Credit
N/A
N/A
N/A
Earnings Credit****
 
Transactions Count: ACH Credits & Debits Checks Deposited & Paid
 
Up to 100
No Fee
Up to 200
No Fee
Up to 350
No Fee
Refer to the Account Analysis Schedule of Fees & Charges
 
Cash Deposit
 
Up to $10,000
No Fee
Up to $20,000
No fee
Up to $30,000
No fee
Refer to the Account Analysis Schedule of Fees & Charges
 
Outgoing Wire Fee Domestic or Int’l
 
Refer to the
Business Schedule of
Fee & Charges
Refer to the
Business Schedule of
Fee & Charges
First 4 Outgoing Wires Free Domestic or Foreign
Refer to the Account Analysis Schedule of Fees & Charges
 
Incoming Wire Fee Domestic or Int’l
 
Refer to the
Business Schedule of
Fee & Charges
All Incoming Wires Free
 
All Incoming Wires Free
 
Refer to the Account Analysis Schedule of Fees & Charges
Business Account Services & Benefits
Service Type
Business Basic Checking*
Universal Business  Solution Checking**
Universal Business Executive Checking***
Account Analysis****
ATM or Debit Card Withdraws
Free at over 55,000 Allpoint Network and
Citibank Branch ATM locations
Online Banking, w/Bill Pay
Included
Mobile Banking, w/Mobile Deposit
Included
Account to Account Transfer
Free
Access 18 Months of Bank Statements Online
Free
Online Check Images
Free
Enroll in Paperless Statements
Free
QuickBooks compatible
Included
Business Loans & Lines of Credit Origination Fee Discount1
Not Applicable
Up to $250
Up to $750
Varies Depending on Account Balance
Remote Deposit Scanner Service2
Refer to the Business Schedule of Fees & Charges
Refer to the Account Analysis Schedule of Fees & Charges
Night Drop
Refer to the Business Schedule of Fees & Charges
Refer to the Account Analysis Schedule of Fees & Charges
Armored Transportation or Bonded Courrier3
Contact Universal Bank
Contact Universal Bank

 

*Business Basic Checking account transaction fees will not be charged for the first 100 ACH credits/debits, checks paid or deposited each statement cycle. There will be a Transaction Fee of $0.30 for each credit/debit transaction above the transaction count. An Average Daily Balance of $1,500 is required or a compensating balance of $10,000.00 in any linked Universal Business Account to waive the Monthly Service Fee.

**Universal Business Solution Checking account transaction fees will not be charged for the first 200 ACH credits/debits, checks paid or deposited each statement cycle. There will be a Transaction Fee of $0.30 for each credit/debit transaction above the stated transaction count. An Average Daily Balance of $25,000 is required or a compensating balance of $25,000.00 in any linked Universal Business Account to waive the Monthly Service Fee.

*** Universal Business Executive Checking Transaction Fees will not be charged for the first 350 ACH credits/debits, checks paid or deposited each statement cycle. There will be a Transaction Fee of $0.30 for each credit/debit transaction above the stated transaction count. An Average Daily Balance of $75,000 is required or a compensating balance of $75,000.00 in any linked Universal Business Account to waive the Monthly Service Fee.

**** Account Analysis earnings credits will be determined by the Bank and subject to change without notice. The earnings credit will be applied to offset any Bank fees assessed on the account.

1 Business Loans & Lines of Credit Origination Fee Discount is offered to eligible customers with an existing business relationship established 30 days or more. Business customer must also meet their daily average balance requirement or have a compensating balance in a linked Universal Bank business account. New business relationships established less than 30 days with the Bank do not qualify. The origination fee discount is subject to the loan type (business loan or line of credit), and amount borrowed.

2 Remote Deposit Service is subject to approval. There are certain eligibility requirements.

3 Armored Transportation or Bonded Courrier service is subject to service availability.  

 
For all other charges, please refer to the Universal Bank Business or Account Analysis Schedule of Fee and Charges or Contact Universal Bank’s Customer Service at 888-809-8282 Option 2.
 

Corporate Hours & Info

3455 Nogales St. Floor #2
West Covina, CA 91792
(626) 854-2818
Monday – Friday: 8:30am-5:30pm
Saturday – Sunday: Closed

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