1When the minor reaches the age of 13, the Bank may recommend that they open their own account.
2The minor must be the account's primary account owner. When the minor reaches the age of 18, the account will automatically be converted to a Community Checking.
3The minor must be the account's primary account owner. When the minor reaches the age of 18, the account will automatically be converted to a Community Savings.
4Parent or guardian must accompany the minor on the account as a joint owner.
5For the My First Checking, only the parent or guardian may be issued with a debit card, and it may be imprinted with the child's name. For the High School Checking, both the minor and the parent or guardian may be issued with a debit card. For the High School Savings, only ATM cards are available.
6Must enroll in Universal Bank Online Banking and activate Mobile App. This service only applies to debit cards. Service sets regions, merchant types, and allows the cardholder to set limits. Certain restrictions and other limitations may apply.
7Not available to minors and only for parent or guardian accountholders. Must enroll in Universal Bank Online Banking and activate Account Alerts. Certain restrictions and other limitations may apply.
8Not available to minors and only for parent or guardian accountholders. Must enroll in Universal Bank Online Banking and activate Online Bill Pay. Certain restrictions and other limitations may apply.
9Not available to minors and only for parent or guardian accountholders. Enrollment in Zelle® with a U.S. checking or savings account is required to use the service. Universal Bank customers must use an eligible Universal Bank consumer checking account, which may have its own account fees. Consult your account agreement. To send money to or receive money from a small business, both parties must be enrolled with Zelle® directly through their financial institution's online or mobile app experience. Funds are typically made available in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle® (go to enroll.zellepay.com to view participating banks). Select transactions could take up to three (3) business days. Enroll on the Universal Bank mobile app. Limitations may apply. Message and data rates may apply.
Only send money to people and businesses you trust. Neither Universal Bank nor Zelle® offers a protection program for any authorized payments made with Zelle®, or provide coverage for non-received, damaged, or not-as-described goods and services you purchase using Zelle®, so you might not be able to get your money back once you send it.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Consumer Rate Sheet