Banking Made Simple for Ages 18 and Under or 65 and Over
At UniBank, we believe that banking should be accessible and affordable for everyone. That’s why we offer the 18-65 Free Checking Account, designed specifically for individuals 18 years old and younger or 65 years and older. This account provides all the essential features of a modern checking account—without monthly fees. Additionally, UniBank's 18-65 Statement Savings Account can help make your saving goals a reality.
Whether you're just starting out or enjoying retirement, UniBank’s 18-65 Free Checking Account and 18-65 Statement Savings Account gives you the tools to manage your money confidently and conveniently.
Account Features & Benefits
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No Monthly Maintenance Fees
Keep more of your money with no minimum balance requirement and no monthly service charges. -
Free Checks
Enjoy complimentary checks to make payments and manage your finances with ease. -
Online & Mobile Banking
Access your account anytime, anywhere. Pay bills, transfer funds, and monitor transactions from your phone or computer. - Direct Deposit Convenience
Make saving automatic by setting up direct deposit. Have a portion of your paycheck or dividends deposited directly into your savings account and watch your balance grow effortlessly. Plus, with Early Pay, your qualifying direct deposits may be available up to 2 days early! Learn more about Direct Deposit and Early Pay. -
Visa® Debit Card
Make purchases and ATM withdrawals with a secure and widely accepted debit card. -
eStatements
Go paperless and receive your monthly statements electronically for added convenience and security. -
Telephone Banking
Manage your account by phone with UniBank’s automated banking services. -
Overdraft Coverage Options
Protect your account from unexpected overdrafts with available coverage solutions.
Why Choose a Free Checking Account?
Free checking accounts are ideal for customers who want:
- Cost Savings: Avoid unnecessary fees and charges.
- Convenience: Access your money easily through digital and physical channels.
- Security: FDIC-insured deposits and fraud protection tools.
- Flexibility: Use your account for everyday spending, bill payments, and direct deposits.
- Financial Independence: Great for young adults starting their financial journey or seniors managing retirement income.
Get Started Today
Opening your 18-65 Free Checking Account is easy. Apply online or visit any UniBank branch to get started. Whether you're beginning your financial journey or simplifying your banking in retirement, UniBank is here to support you every step of the way.
Moving over your accounts made quick and easy.
We know you have a lot of options when it comes to banks, and we're glad you chose us. Our SwitchKit checklist helps you remember all the steps you need to take to fully move your accounts over.