| COMMUNITY SAVINGS |
UNIVERSAL TIERED SAVINGS |
| Contact Us |
Contact Us |
| Best account for |
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A savings account with all the conveniences such as online alerts, remote check deposit, and ACH transfers.
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Everything you expect from a savings account, with one key difference: the greater your balance, the more you earn.
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| Balance requirement fee |
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$5.00
The fee is waived each statement cycle if ONE of the conditions is met:
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The daily balance is $100.00 or more; OR
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A daily minimum balance of $10,000.00 in any combination of this account and linked qualifying accounts1
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$10.00
The fee is waived each statement cycle if ONE of the conditions is met:
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The daily balance is $5,000.00 or more; OR
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A daily minimum balance of $10,000.00 in any combination of this account and linked qualifying accounts1
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| Minimum opening deposit |
| $100.00 |
$25,000.00* |
| Interest bearing account |
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| Free direct deposit |
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| Free ATM withdrawals at over 55,000 AllPoint Network and Citibank Branch ATM locations |
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| Online banking with mobile app and account alerts |
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| Zelle®2, and External Transfers3 |
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| Mobile app check deposit4 |
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*For new customers, the bank requires a minimum of $25,000 in new money from another financial institution. For existing customers, the Bank requires $15,000 in new money from another financial institution. The rates are tiered, based on the account balance.
1Qualifying accounts include: Community Checking, Community Savings, Universal Tiered Checking, Universal Tiered Savings, Certificate of Deposit, and Individual Retirement Accounts. Excludes promotional products.
Promotional products are account types with an Annual Percentage Yield (APY) higher than the Bank’s Consumer Posted Rates, will require a minimum balance to earn the APY, a minimum opening deposit, the interest rate may change after the opening of the account, and the promotion is offered for a limited time.
2Enrollment 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 in 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.
33Outgoing ACH transfers sent using External Transfers may take up to three (3) business days to be completed.
4Must enroll in Universal Bank Online Banking and activate mobile app. Certain restrictions and other limitations may apply.
Consumer Schedule of Fees and Charges
Consumer Rate Sheet