Checking

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Personal Checking Accounts

  • $500.00 minimum opening balance
  • $25.00 a month service charge if balance falls below $1,500*
  • No interest if balance drops below $2,500**
  • No transaction fees at Universal Bank or Allpoint ATM’s
  • Online Banking with Bill Pay
  • Direct deposit
  • 24/7 TouchTone Teller
  • Visa Debit Card or ATM Card
  • Unlimited check writing

* Minimum balance is required or compensating balance of $10,000.00 in any other Universal Bank account to avoid monthly service charge.

** Refer to this RATE SHEET for current rates.

Business individuals looking over paper work and a planner.

Personal Checking Accounts

  • $50 Opening balance
  • No minimum balance required
  • Non-interest bearing
  • Online Banking with Bill Pay
  • Direct deposit
  • No transaction fees at Universal Bank or Allpoint ATM’s
  • 24/7 TouchTone Teller
  • Visa Debit Card or ATM Card
  • Unlimited check writing