Checking and Savings Accounts

Checking

Unity personal checking accounts designed to meet a variety of needs. Find the right one for you.

eStatements Go Green

  • Requires $100 opening Deposit
  • FREE Online Banking
  • FREE Bank by Phone
  • FREE Debit Card
  • FREE Bill Pay
  • Mobile Banking
  • Estatements & Notices
  • Overdraft Protection is available via several options including linking to a Unity Bank savings account.

Which type of checking is right for you? Consult the table below:

Details

Unity Advantage

Golden Unity

Interest

Activity Service Charge

$7.50*

$7

$12

Minimum Balance to Avoid
Activity Service Charge

$1500*

$1000

$1500

Bill Pay

Available

Available

Available

* Avoid an Activity Service Charge by meeting one of the following criteria during the statement period:

  • Have at least one direct deposit of at least $500 1
  • Or, keep a minimum daily balance of $1,500 or more in the checking account 2
  • Or, keep an average balance of $2,500 or more in a combination of deposit accounts with Unity Bank 3

1Two or more direct deposits that add up to $500 or more but do not individualy equal or exceed $500, do not qualify.
2The minimum daily balance and average balance are based on your ledger balance at the end of each day.
3Qualifying accounts for average ledger balance of $2,500 or more includes your Unity Bank Advantage checking account; personal savings accounts or money market accounts.

Savings

Watch your money grow as you build for the future. Unity offers several types of interest-bearing personal savings accounts.

Each of our four personal savings accounts offers:

  • FREE Online Banking
  • FREE Bank by Phone
  • Mobile Banking
  • Access to Estatements & Notices

Which is right for you? Consult the table below.

Details

Personal

Minor

Money
Market

Platinum
Money Market

Minimum Opening Deposit

$100

$50

$100

$100,000

Low Balance Charge

$5

None until age 18

$15

$15

Minimum Daily Balance to
Avoid Low Balance Charge

$100

N/A

$2500*

$100,000*

Other Fees 

 1 withdrawal/month, $3 each thereafter

 1 withdrawal/month, $3 each thereafter

  3 checks/ 3 transfers, $10 each thereafter

  3 checks/ 3 transfers, $10 each thereafter

Bill Pay

N/A

N/A

Available

Available

Visa Debit Card

Free**

N/A

Free

Free

Overdraft Protection

N/A

N/A

Available

Available

 * Interest rates reduced if balance falls below minimums.

** ATM Card for Savings only

Click Here to Apply for a Personal Account

Complete this application and bring to the Unity location convenient to you. No online or fax applications accepted at this time.

CDs

Fixed-term deposits that offer higher rates than regular savings accounts.

IRAs

Start saving for tomorrow today. Our staff is ready to help you understand the entire process.

Information On Protecting Yourself From Overdrafts

Overdraft Protection

Link your Unity checking and savings accounts to prevent overdraft penalties. Ask about other options that are available for overdraft situations.

Unity Event Manager

  • Assists you in managing your accounts.
  • Be notified by text, phone or email when your balances fall below an amount determined by you.
  • Obtain account balances
  • Be notified when checks clear or deposits are made

Information on Protecting Yourself From Overdrafts

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