Checking Accounts

Personal checking accounts from Massachusetts’ UniBank offer distinctive benefits designed to fit a variety of lifestyles. Each type of checking account we offer features our real-time, easy-to-use electronic services. Open your checking account online, or stop by one of our many convenient Massachusetts locations.

UniBank BenefitsFREE
FREE Student
NOWPerfect SensePerfect Sense PluseChecking
Monthly Service ChargeFreeFree$10; Service charge waived with minimum balance$15; Service charge waived with minimum balance$25; Service charge waived with minimum balance$35; Service charge waived when the statement cycle conditions are met*

Minimum Balance

(to waive service charge)

NoneNone$1,500$5,000 combined average balance in consumer checking, savings and money market accounts$25,000 combined average balance in consumer deposit, loan and retirement accounts$250 and other statement cycle conditions are met*
Free ChecksNoYes, on first orderYes, on first orderYes, on first orderYes, on first orderNo
Combined Account StatementYesYesYesYesYesYes
Interest BearingNoNoYesYesYesYes
VISA® Debit CardYesYesYesYesYesYes

Waived Non-UniBank

ATM use fees+

NoEight per monthNoFive per monthUnlimited12 per month

Non-UniBank ATM

surcharge refunds++

NoNoNoNoNoRefunds up to $25/mo on Non-UniBank ATM surcharges*
Free Point of Sale Debit UseYesYesYesYesYesYes
Free UniBanking OnlineYesYesYesYesYesYes
Electronic StatementsYesYesYesYesYesYes*
Free Mobile BankingYesYesYesYesYesYes

Free Mobile Deposit

for eligible customers**

Free UniBank Bill PayerYesYesYesYesYesYes
Free UniBanking by PhoneYesYesYesYesYesYes
Check WritingUnlimitedUnlimited20 per month
($.45 ea. 21 or more)
(electronic fund transactions)
Money Order, Cashier
and Travelers Checks
No discountNo discountNo discountNo discountFee freeNo discount
Auto-Transfer Protection
(from savings)
Daily feeDaily feeDaily feeDaily feeFreeDaily fee
Overdraft Line of Credit
(with credit approval)
Download to Quicken®,
QuickBooks® or Money®

** Must have a UniBank Deposit Account, Online Banking, and Mobile Banking. Additional requirements apply, inquire for details. Log into Online Banking and complete the application by choosing "click here to enroll in mobile deposit" on the right of the page. Check your mobile carrier's agreement for any data transfer fees that may apply.

+Non-UniBank ATM fee waivers apply to UniBank fees charged for use of non-UniBank ATMs. Customers may be charged ATM surcharge fees by the bank that owns the ATM, unless the Bank is a SUM member.  Waivers do not apply to international ATM transactions.

 ++ Non-UniBank ATM surcharges are those fees charged by the bank that owns the non-UniBank ATM used.

Free Checking

Best for those who want the freedom of check writing with UniBanking Online but do not want to maintain a minimum balance. Open a Free Checking account at any of our Massachusetts locations, and enjoy the pay-anywhere freedom of a UniBank Visa® Debit Card.

Free Student Checking

For on-the-go high school and college students who need the freedom to bank anywhere, Free Student Checking is the perfect solution. This account offers expanded ATM usage, no monthly fees or minimum balance requirements, along with the convenience of the UniBank Visa Debit Card and other services. Check out BankU - Student Banking from UniBank for more details on all of our student products!

NOW Checking

With this checking account, you get all the ease of use of the Free Checking, and you earn interest, too.

Perfect Sense & Perfect Sense Plus Checking

We value our relationship with our 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 – either in or outside of Massachusetts – Perfect Sense accounts will give you more flexibility.


eChecking from UniBank offers you one of the best rates around and other great benefits such as refunds of up to $25 per month on ATM surcharges.* Open an account online or stop by any one of our branch locations today! Click here for current rates.

*The following benefits can be obtained in a given statement cycle when the statement cycle conditions noted below are met: Payment of a higher interest rate; Waived monthly service charge; Refund for nationwide ATM surcharge transaction fees to a maximum of $25 per cycle. An ATM surcharge transaction fee of $4.99 or less will be credited to your account automatically; however, you must contact us in order to receive the full refund amount of an ATM surcharge transaction fee of $5.00 or greater. Statement cycle conditions: A minimum of 12 debit card purchase transactions must post and settle to account during statement cycle (not all purchase transactions post or settle on the day they occur): Enrollment in e-Statements; Maintain a minimum daily balance of $250. Limit of one account per customer.

Overdraft Coverage



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