Personal Accounts

 

Checking

Unity personal checking accounts designed to meet a variety of needs.

Features & Benefits

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

Which type of checking is right for you?

DetailsUnity AdvantageGolden Unity

Personal Interest

Minimum Opening Balance

$100.00

$100.00

$100.00

Activity Service Charge

$7.50*

$7.00

$12.00

Minimum Balance to Avoid
Activity Service Charge
$1,500.00* $1,000.00 $1,500.00
Bill Pay X X X
Visa Debit Card

Free**

Free** Free**
Overdraft Protection

x

x x

*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 $500.001
  • Or, keep a minimum daily balance of $1,500.00 or more in the checking account2
  • Or, keep an average balance of $2,500.00 or more in a combination of deposit accounts with Unity Bank3

1 Two or more direct deposits that add up to $500.00 or more but do not individually equal or exceed $500.00, do not qualify.
2 The minimum daily balance and average balance are based on your ledger balance at the end of each day.
3 Qualifying accounts for average ledger balance of $2,500.00 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.

Features & Benefits:

  • FREE Online Banking
  • FREE Bank by Phone
  • Mobile Banking
  • Access to E-Statements & Notices

Which type of savings is right for you?

Details

Personal

MInor

Money Market

Platinum Money Market

Minimum Opening Deposit

$100.00

$50.00

$100.00

$100,000.00

Low Balance Charge

$5.00

Waived until age 18

$15.00

$15.00

Minimum Daily Balance to Avoid Low Balance Charge 

$100.00

N/A

$2,500.00

$100,000.00

Other Fees  

3 withdrawal/month, $3.00 each thereafter

1 withdrawal/month, $3.00 each thereafter

$10.00 each thereafter

$10.00 each thereafter

Bill Pay 

N/A

N/A

40 free then $2.00 each

40 free then $0.17 each

Visa Debit Card 

Free**

N/A

 N/A

N/A

*Interest rates reduced if balance falls below minimums.
** ATM Card for Savings only

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.

Learn More about Unity Event Manager

Open An Account

 

Open Online Account

 

CDs & IRAs

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.