• $100.00 minimum opening balance
• $15.00 monthly service charge (if balance falls below $2,500.00) *
• ATM check card
• No transaction fees at Universal Bank or Allpoint ATM’s
• Interest Bearing—Interest compounded daily and paid monthly**
• $1,000.00 minimum balance to earn interest
• 24/7 TouchTone Teller
• Online Banking
• Direct deposit
• Access to Allpoint nationwide ATM network

*Monthly service charge waived with compensating balance of $10,000 in any other account.

** Refer to this RATE SHEET for current rates.

• $100.00 minimum opening balance
• $1.50 monthly service charge (if balance falls below $200.00) *
• Interest is compounded daily and paid monthly **
• No interest is earned if balance falls below $1,000.00
• Online Banking
• Direct deposit
• ATM Card
• No transaction fee at Universal Bank or Allpoint ATM’s

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

** Tiered Interest Rates. Refer to this RATE SHEET for current rates.