UniQue Checking designed around your life.
Our new UniQue Checking accounts make banking feel effortless. Earn interest, enjoy fewer fees, and choose the benefits that fit your lifestyle. Prefer an enhanced experience? Step up to our UniQue Plus Checking for even more rewards, access, and value.
Annual Percentage Yields (APY) are accurate as of and are subject to change at any time.
| FEATURES |
UNIQUE PLUS
CHECKING
|
UNIQUE
CHECKING
|
|---|---|---|
|
Interest Rate
|
0.05%1 | 0.02%8 |
| Monthly Fee |
$25
(waived with $20,000 minimum daily balance)
|
$15
(waived with $3,500 minimum daily balance)
|
| Minimum to Open | $1,000 | $250 |
| Non-UniBank ATM Fees (Charged by UniBank) |
Unlimited fee waivers2 | 10 waived per month9 |
|
International ATM Fees
|
Unlimited fee waivers2 |
$5.00 per international
ATM transaction12 |
|
ATM Surcharge Fees
(Charged by other financial institutions) |
Unlimited rebates3 |
Up to $20 rebated
per month10
|
|
Basic Paper Checks
|
Unlimited fee waivers6 | 1st order free11 |
|
Money Order &
Cashier's Check Fees |
Unlimited fee waivers7 | Money Orders - $2.00 Cashier's Check - $5.0012 |
| CD Rate Bump | 0.15% rate bump5 | Standard rates and APY apply per term |
|
Debit Card
Cash Back Rewards |
1.00% cash back4 on first $3,000 of POS purchases per month. |
No cash back
rewards offered
|
Experience a UniQue Way to Bank
Open a UniQue checking account online or visit a branch to select the account that fits your goals.
1To obtain the disclosed Annual Percentage Yield (APY), you must maintain a minimum daily balance of $20,000 in your UniQue Plus Checking Account. If you maintain a minimum balance of $20,000.00 or more each day throughout the statement cycle, the account will earn an interest rate of 0.05% and an APY of 0.05% on the entire balance. If the end of day account balance falls below $20,000.00 on any day during the statement cycle, the interest rate and APY will be reduced to 0.00% on the entire balance for that day, and will remain at 0.00% until the minimum balance requirement is again met.
2When 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 refunds.
3When 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.
4You will earn 1% cash back on qualifying point-of-sale (POS) debit card purchases, on up to $3,000 in qualifying purchases per statement cycle. This means the maximum cash back you can earn is $30 per statement cycle. Cash back is credited at the end of each statement cycle to your account. Cash back is earned only on completed and settled point-of-sale debit card purchases. ATM transactions, cash withdrawals, cash back at the point of sale, returns, and certain excluded transaction types do not qualify. There are no minimum balance or time requirements to receive this bonus. Account must remain active at end of statement cycle to receive cashback rewards.
5As part of your UniQue Plus Checking account relationship, you are eligible to receive a 0.15% rate bump on eligible new Certificates of Deposit (CDs). At the time the CD is opened, you must request the rate bump and the rate bump remains in effect for the full term of that CD. CDs opened online through the UniQue Plus Checking relationship require you to contact the Bank to receive the 0.15% rate bump. At CD maturity, the rate bump does not automatically renew. To receive the additional 0.15% rate increase on a renewed CD, you must contact the Bank and request the rate bump. CDs that automatically renew without customer request will renew at the standard rate and APY for the renewed product. There is no limit to the number of CDs eligible for the UniQue Plus rate bump; however, each CD must have ownership that matches that of the UniQue Plus Checking account ownership. If you close your UniQue Plus Checking account during the CD term, the rate bump will remain in effect until maturity. Upon maturity, the CD will renew at the standard rate and APY applicable to the renewed product at that time. The Certificate of Deposit Rate Bump Offer may be changed or discontinued at any time for Certificates of Deposit opened in the future and does not affect the interest rate or APY of any Certificate of Deposit that has already been opened.
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.
8To obtain the disclosed Annual Percentage Yield (APY), you must maintain a minimum daily balance of $3,500 in your UniQue Checking Account. If you maintain a minimum balance of $3,500.00 or more each day throughout the statement cycle, the account will earn an interest rate of 0.02% and an APY of 0.02% on the entire balance. If the end of day account balance falls below $3,500.00 on any day during the statement cycle, the interest rate and APY will be reduced to 0.00% on the entire balance for that day, and will remain at 0.00% until the minimum balance requirement is again met.
9When 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.
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.
11You 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.
12Please refer to UniBank’s Schedule of Service fees for additional fees that may apply.
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.