Personal Checking Accounts

Banking should feel simple, intuitive, and built around the way you actually live. Our personal checking accounts are designed to make everyday money management effortless—whether you’re paying bills, getting paid, or moving money on the go.

Why choose a University Bank checking account?

Everyday simplicity: Straightforward accounts with the features you actually use.
Digital convenience: Online and mobile banking so you can bank anytime, anywhere.
Built-in tools: Bill pay, external transfers, and e-statements to keep everything organized.
Local service: Personalized support from a community-focused bank that knows you by name.

University Checking

A simple checking account
  • Debit Card
  • Online Banking & Mobile App
  • E-Statements
  • Bill Pay & External Transfers
  • Opening Minimum Balance: $100
  • Monthly Service Fee: $0
Open Account Online

University Checking PLUS

Interest earning checking account

  • Debit Card
  • Online Banking & Mobile App
  • E-Statements
  • Bill Pay & External Transfers
  • Bill Pay & Interest Earning
  • Opening Minimum Balance: $500
  • Monthly Service Fee: $6 (No Monthly Fee if you: Maintain a minimum monthly balance of $500.)
Open Account Online

University Savings

A simple, interest earning savings account

  • ATM Card
  • Online Banking & Mobile App
  • E-Statements
  • Bill Pay & External Transfers
  • Opening Minimum Balance: $25
  • Monthly Service Fee: $0
Open Account Online

University Money Market

Competitive interest rates, easy access to your funds

  • Debit Card
  • Online Banking & Mobile App
  • E-Statements
  • Bill Pay & External Transfers
  • Bill Pay & Interest Earning
  • Opening Minimum Balance: $2500
  • Monthly Service Fee: $6 (No Monthly Fee if you: Maintain a minimum monthly balance of $2500.)
Open Account Online

University Certificate of Deposit

Guaranteed returns, fixed interest rate

  • Online Banking & Mobile App
  • E-Statements
  • Bill Pay & Interest Earning
  • Opening Minimum Balance: $2500
  • Monthly Service Fee: $0
Learn More

University Checking

A no-fuss checking account for everyday banking.
Perfect if you want: A simple, low-maintenance account with no monthly service fee.

• Debit card: Make purchases and withdraw cash worldwide.
• Online & mobile banking: View balances, transfer funds, and track spending 24/7.
• E-statements: Secure, paperless access to your account history.
• Bill pay & external transfers: Pay bills and move money between your University Bank accounts and other banks.
• Opening minimum balance: $100
• Monthly service fee: $0

Open your University Checking account online in just a few minutes.

University Checking PLUS

An interest-earning checking account that rewards higher balances.
Perfect if you want: To keep your everyday spending money working for you.

• Interest earning: Grow your balance while still enjoying full access to your funds.
• Debit card: Convenient access to your money at point-of-sale and ATMs.
• Online & mobile banking: Manage your account anytime, from any device.
• E-statements: Reduce clutter and access statements securely online.
• Bill pay & external transfers: Pay bills and move money with ease.
• Opening minimum balance: $500
• Monthly service fee: $6
*No monthly fee when you maintain a minimum monthly balance of $500

Open University Checking PLUS online and start earning interest on your everyday funds.

Get started today

Whether you’re opening your first checking account or upgrading to an interest-earning option, we make it easy to begin.
• Apply online: Complete your application in just a few steps.
• Choose the account that fits you: Simple or interest-earning—both come with powerful digital tools.
• Start banking your way: Use your debit card, log in online, and experience checking that keeps up with your life.