Checking

¹To open an account online, you must be 18 years of age or older.

²UniBank does not charge for using our Mobile Banking service. Your mobile carrier may charge for text messages, data transfer fees, and/or web access. Check your wireless plan for details.

³Must have a UniBank Deposit Account, Online Banking, and Mobile Banking. Additional requirements apply, inquire for details.

⁴When you use an ATM that is not owned or operated by us, as a benefit of this account, fees we charge for the use of Non-UniBank ATMs including International ATMs will be waived. There are no minimum balance requirements, transaction requirements, or time requirements to receive these waivers.

⁵When you use an ATM outside our network located within the United States, the ATM operator or other financial institution may charge a separate “convenience” or “out-of-network” fee. As a benefit of this account, we will automatically rebate ATM Surcharge fees that are charged each statement cycle. Rebates are credited at the end of each statement cycle. No customer action, enrollment, or balance requirement is needed to receive these rebates. Account must remain active at end of statement cycle to receive ATM fee rebates 

⁶This account includes orders of basic paper checks at no charge when ordered in person or over the phone with UniBank. No minimum balance, transaction activity, or enrollment is required. The waiver applies only to basic paper check styles; premium or specialty designs may incur additional costs.

⁷As part of this account, fees for Money Orders and Cashier’s Checks are waived. There are no usage limits, and no balance or activity requirements apply. Fees for these items are automatically waived at the time of issuance.

⁸When you use an ATM that is not owned or operated by us, ATM fees charged by us may be deducted from your account at the time of the transaction. Please refer to our Schedule of Service fees. Non-UniBank ATM fees are assessed by us in the amount of $1.50 per transaction. As a benefit of this account, we waive up to 10 fees per statement cycle; UniBank will assess ATM Fees starting at the 11th ATM withdrawal at a Non-UniBank ATM. No minimum balance, transaction activity, or other customer action is required to receive this waiver.

⁹You are eligible to receive your first order of basic paper checks at no charge when ordered in person or over the phone with UniBank. The standard check order fee will be waived automatically at the time of first order. The waiver applies only to basic paper check styles; premium or specialty designs may incur additional costs. There are no minimum balance requirements, time requirements, or actions required to receive this waiver.

¹⁰When you use an ATM outside our network located within the United States, the ATM operator or other financial institution may charge a separate “convenience” or “out-of-network” fee. As a benefit of this account, we will automatically rebate up to $20.00 in ATM Surcharge fees per statement cycle. Rebates are credited at the end of each statement cycle. No customer action, enrollment, or balance requirement is needed to receive these refunds. Account must remain active at end of statement cycle to receive ATM fee rebates.

¹¹Proof 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 basic paper checks, one signer on the account must be a current military service member or veteran. 

¹²Must present valid student ID and be at the age of 22 and under. Individual accounts available for students 16 to 22, under 16 must open with a parent or legal guardian. Enrollment in eStatements is required.

¹³When you use an ATM that is not owned or operated by us, ATM fees charged by us may be deducted from your account at the time of the transaction. Please refer to our Schedule of Service fees. Non-UniBank ATM fees are assessed by us in the amount of $1.50 per transaction. As a benefit of this account, we waive up to 5 fees per statement cycle; UniBank will assess ATM Fees starting at the 6th ATM withdrawal at a Non-UniBank ATM. No minimum balance, transaction activity, or other customer action is required to receive this waiver.

¹⁴When you use an ATM that is not owned or operated by us, ATM fees charged by us may be deducted from your account at the time of the transaction. Please refer to our Schedule of Service fees. Non-UniBank ATM fees are assessed by us in the amount of $1.50 per transaction. As a benefit of this account, we waive up to 8 fees per statement cycle; UniBank will assess ATM Fees starting at the 9th ATM withdrawal at a Non-UniBank ATM. No minimum balance, transaction activity, or other customer action is required to receive this waiver.

¹⁵For persons 65 years of age or older or 18 years of age or younger. To be eligible for free basic paper checks, the primary account holder on the account must be 65 years of age or older or 18 years of age or younger.

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