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 Benefits

e By UniBank

Detailed Rate Information*

 Military Checking +++FREE Student

 FREE Checking 18-65
(for persons 65 years of age or older or 18 years of age or younger)

Monthly Service ChargeFree FreeFreeFree Free

Minimum Balance

(to waive service charge)

None NoneNoneNone None
Free ChecksNo Yes+++Yes, on first orderNo Yes#
Combined Account StatementYes YesYesYes Yes
Interest BearingYes YesNoNo No
VISA® Debit CardYes YesYesYes Yes

Waived Non-UniBank

ATM use fees+

Unlimited Five per monthEight per monthNo No

Non-UniBank ATM

surcharge refunds++

Refunds up to $25/mo * NoNoNo No
Free Point of Sale Debit UseYes YesYesYes Yes
Free UniBanking OnlineYes YesYesYes Yes
Electronic StatementsYes YesYesYes Yes
Free Mobile Banking^Yes YesYesYes Yes

Free Mobile Deposit

for eligible customers^   **

Yes YesYesYes Yes
Free UniBank Bill PayerYes YesYesYes Yes
Free Telephone BankingYes YesYesYes Yes
Check WritingUnlimited UnlimitedUnlimitedUnlimited Unlimited
(electronic fund transactions)
Unlimited UnlimitedUnlimitedUnlimited Unlimited
Money Order, Cashier
and Travelers Checks
No discount No discountNo discountNo discount Free
Auto-Transfer Protection
(from savings)
Daily feeFreeDaily feeDaily fee Daily fee
Overdraft Line of Credit
(with credit approval)
Yes YesYesYes Yes
Download to Quicken®,
QuickBooks® or Money®
Yes YesYesYes Yes

^ UniBank does not charge for using our Mobile Banking service. Your mobile phone carrier may charge for text messages, data transfer fees, and/or Web access. Check your wireless plan for details.

* The following benefits can be obtained in a given monthly statement cycle when the statement cycle conditions noted below are met: Payment of a higher interest rate and 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 in the month that you meet the statement cycle conditions; 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 8 debit card purchase transactions must post and settle to the account during the statement cycle (not all purchase transactions post or settle on the day they occur); active enrollment in eStatements (you must sign into your online banking account at least once every 12 months to keep your eStatement enrollment active).  Limit of one account per customer holding the position of primary account holder.

** 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.

+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. Waivers do not apply to international ATM transactions.

+++ Proof of service required: For active military service members, please provide a military ID. For veterans please provide form DD214 as proof of service status to qualify. To be eligible for free checks, one signer on the account must be a current military service member or veteran. Free standard specialty blue wallet checks.

# To be eligible for free checks, the primary account holder on the account must be 65 years of age or older or 18 years of age or younger. Free standard specialty blue wallet checks.

e by UniBank

e by UniBank offers you one of the best rates around and other great benefits such as refunds 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

Military Checking

You served us. Now let us serve you. We're thankful for the brave service men and women who put their lives on the line to protect our freedom. UniBank's Military Checking is our way of honoring active military service members and veterans.

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!

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 Checking 18-65

This account is for individuals 65 years of age or older and 18 years of age or younger. Providing the freedom of check writing with UniBanking Online with no minimum balance requirement and free checks.

Overdraft Coverage



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