Checking
UniBank’s six personal checking accounts each offer distinctive benefits designed to fit a variety of lifestyles and they all offer our real-time easy-to-use electronic services.
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UniBank Benefits
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Basic
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FREE Checking
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NOW
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NOW Plus
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Perfect Sense
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Perfect Sense Plus
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Monthly Service Charge
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$2.50
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Free
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$5; Service charge waived with minimum balance
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$10; Service charge waived with minimum balance
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$10 or $5 with direct deposit; Service charge waived with minimum balance
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$15 or $7.50 with direct deposit; Service charge waived with minimum balance
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Minimum Balance
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None
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None
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$500
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$750 average balance or $2,500 combined average balance in consumer checking and statement savings
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$5,000 combined average balance in consumer checking, savings and money market accounts
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$25,000 combined average balance in consumer deposit, loan and retirement accounts
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Free Checks
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No
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No
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Yes, on first order
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Yes, on first order
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Yes, on first order
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Yes, on first order
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Combined Account Statement
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Yes
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Yes
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Yes
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Yes
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Yes
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Yes
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Interest Bearing
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No
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No
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Yes
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Yes
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Yes
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Yes
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Free VISA® Debit Card
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No (ATM card only)
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Yes
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Yes
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Yes
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Yes
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Yes
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+Free Foreign ATM use
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No
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No
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No
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No
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Five per month
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Unlimited (NYCE® or Cirrus®)
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Free Point of Sale Debit Use
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N/A
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Yes
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Yes
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Yes
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Yes
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Yes
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Free UniBanking Online
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Yes
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Yes
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Yes
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Yes
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Yes
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Yes
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Free UniBank Bill Payer
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No
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Yes
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Yes
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Yes
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Yes
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Yes
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Free UniBanking By Phone
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Yes
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Yes
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Yes
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Yes
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Yes
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Yes
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Higher ATM Cash Withdrawal Limits
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No
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No
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No
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No
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No
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Yes
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Check Writing
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10 per month ($.75 each over 10)
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Unlimited
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20 per month ($.45 each over 20)
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Unlimited
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Unlimited
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Unlimited
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EFT (electronic fund transactions)
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5 per month ($.75 per debit over 5)
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Unlimited
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Unlimited
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Unlimited
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Unlimited
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Unlimited
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Other Benefits
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Money Order, Cashier and Travelers Checks
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No discount
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No discount
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No discount
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No discount
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No discount
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Fee free
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Auto-Transfer Protection (from savings)
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Daily fee
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Daily fee
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Daily fee
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Daily fee
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Free
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Free
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Overdraft Line of Credit (with credit approval)
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No
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Yes
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Yes
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Yes
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Yes
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Yes
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Download to Quicken®, QuickBooks® or Money®
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Yes
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Yes
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Yes
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Yes
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Yes
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Yes
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Electronic Statements
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Yes
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Yes
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Yes
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Yes
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Yes
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Yes
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Basic & Free Checking
Best for those who want the freedom of check writing with UniBanking Online but do not want to maintain a minimum balance. If you choose Free Checking, you get the pay-anywhere freedom of a UniBank Visa® Debit Card.
NOW & NOW Plus Checking
With these accounts, you get all the ease of use of the Basic Checking and Free Checking, and you earn interest, too.
Perfect Sense & Perfect Sense Plus Checking
We value our relationship with customers and these accounts are loaded with great features for those who maintain higher balances in one or more accounts. If you travel for work or fun and need frequent ATM access, Perfect Sense accounts will give you more flexibility. And when you are on the road, you can rely on Auto-Transfer Protection from Savings to Checking, should your withdrawals exceed your balance.
New: Free Student Checking
UniBank now offers Student Checking accounts that give you the freedom to bank on your schedule. This account offers expanded ATM usage for on-the-go students, along with many other conveniences. Check out BankU - Student Banking from UniBank for more details on all of our student products!
A comparison of six checking accounts… pick the one that fits your lifestyle.
Overdraft Assistance
You may be entitled to use Overdraft Assistance, if an unintentional overdraft should occur. An overdraft assistance fee of $25 will apply to each overdraft created by check, in person withdrawal, ATM withdrawal, or other electronic means. You must repay the overdraft within 10 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. Please ask a branch staff member for more information about this convenient service.