Universal Bank is committed to provide you with a suite of banking services to meet your financial and service needs.
We invite you to visit any one of our branches and speak with our friendly and knowledgeable relationship manager or call us at (888) 809-8282.
- Allpoint® ATM Network
- STAR®ATM Network
- Safe Deposit Box
- Visa® Debit Card
- Visa® Credit Card (through Elan™ Financial Services)
- ATM and Debit Card Services
- Wire Transfers
- 24/7 Automated Telephone Banking
- Personal Mobile Banking
- Automatic Loan Payments to Universal Bank Loans
- Direct Deposit
- Cashier’s Checks
- Overdraft Protector
- SMS (Text Message) Fraud Notification
Allpoint® ATM Network
Universal Bank is a member of the largest surcharge-free ATM network, Allpoint®. With over 37,000 ATM’s, Allpoint® is your single source for surcharge-free ATM access, coast to coast. Allpoint® provides you with unmatched convenience and savings. Allpoint® ATM’s are located at National and Regional retailers such as 7-Eleven, Target, and Costco.
STAR® ATM Network
Universal Bank is also a member of STAR® Network, a full-service debit payment network committed to helping financial institutions and merchants serve consumers with accessing cash and paying in-person across America or online – at any time.
Visa® Debit Card
Commonly referred to as a debit card, the Universal ATM Visa® Debit Card works like a check, only better. Just swipe your card, sign the receipt and go. Funds are withdrawn directly from your checking account. It’s faster and safer than cash or checks. It’s a convenient way to pay for your everyday purchases from your checking account.
Visa® Credit Card
Apply for a Universal Bank credit card provided through ElanTM Financial Services. It works everywhere Visa® is accepted. To apply a new credit card, please visit one of our branches.
ATM and Debit Card Services
ATM’s make it even easier and convenient to conduct your financial transactions anytime of the day or night. Your ATM card will give you access to your savings or checking account, around the clock. You’ll no longer have to wait in long lines. All you need is your ATM card and your personal identification number (PIN) to start taking advantage of this great service. Look for Cirrus, Allpoint® or STAR® System logos at the ATM near you.
Wire transfer service is available at all Universal Bank branches.
For business banking customers, online banking with wire transfer service is also available.
Automatic Loan Payments
Don’t worry about late payments any longer. Set up automatic loan payments of your Universal Bank loans from your checking account.
Direct deposit is a safe, fast and convenient way to have your payroll, social security benefits, tax refunds or pension funds electronically and automatically deposited into your Universal Bank checking or savings account.
To start direct deposit of your paycheck to your account, simply contact your employer’s Human Resource Department. Provide your employer with your Universal Bank account number and our Routing or Transit Number: 322270275. You may also initiate direct deposit of your U.S. Treasury check by visiting www.ssa.gov/deposit or by calling Social Security Administration at (800) 772-1213. Direct deposit is safer, more secure and more convenient than receiving your payment by check in the mail. It’s a simple, secure and speedy way to have immediate access to your money.
Sign up for our Overdraft Protector and avoid paying for returned checks due to insufficient funds. Overdraft Protector will debit funds from your savings account and credit your checking account to cover the fund.
SMS (Text Message) Fraud Notification
Using your Universal Bank card is simple. Now, fraud monitoring is just as seamless. Our fraud monitoring network watches for suspicious or unusual transactions. If a suspicious transaction appears on your card, you’ll receive a text asking if it’s legitimate. Text back to confirm or deny the transaction. It’s simple, quick and easy.