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.
|NOW||Perfect Sense||Perfect Sense Plus||eChecking|
|Monthly Service Charge||Free||Free||$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*|
(to waive service charge)
|None||None||$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 Checks||No||Yes, on first order||Yes, on first order||Yes, on first order||Yes, on first order||No|
|Combined Account Statement||Yes||Yes||Yes||Yes||Yes||Yes|
|VISA® Debit Card||Yes||Yes||Yes||Yes||Yes||Yes|
ATM use fees+
|No||Eight per month||No||Five per month||Unlimited||12 per month|
|No||No||No||No||No||Refunds up to $25/mo on Non-UniBank ATM surcharges*|
|Free Point of Sale Debit Use||Yes||Yes||Yes||Yes||Yes||Yes|
|Free UniBanking Online||Yes||Yes||Yes||Yes||Yes||Yes|
|Free Mobile Banking||Yes||Yes||Yes||Yes||Yes||Yes|
Free Mobile Deposit
for eligible customers**
|Free UniBank Bill Payer||Yes||Yes||Yes||Yes||Yes||Yes|
|Free UniBanking by Phone||Yes||Yes||Yes||Yes||Yes||Yes|
|Check Writing||Unlimited||Unlimited||20 per month|
($.45 ea. 21 or more)
(electronic fund transactions)
|Money Order, Cashier|
and Travelers Checks
|No discount||No discount||No discount||No discount||Fee free||No discount|
|Daily fee||Daily fee||Daily fee||Daily fee||Free||Daily 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.
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!
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.