Choosing the UBT Checking Account That Fits You

November 18, 2019
Brittany, Customer Support Team Assitant Manager
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Most people don’t re-evaluate their checking account for nearly 20 years after opening it. Why not?

If a pair of shoes didn’t fit you well, would you wear them every day? We sure hope not. Though a checking account won’t make a fashion statement like an amazing pair of heels or chukkas, it is something you’ll use every day, and it too should fit you well.

So pretty much all checking accounts are the same, right? Well, yes and no. They do help you facilitate your daily banking, deposit your paycheck or direct deposit, pay bills, and access your cash. But many accounts also offer other features and perks, and those may be the difference-maker for you. Here’s a look at UBT’s Checking Accounts:

Simply Free Checking: Our Simplest Account

  • No minimum balance
  • No monthly maintenance or activity fees
  • Unlimited transactions
  • Free debit card

Some banks charge as much as $10 per month just for holding your account. That’s $120 a year…for what? We’re guessing you could do something a lot more fun or meaningful with that money. If avoiding monthly maintenance or activity fees is important to you, Simply Free may be for you.

 

Bonus Checking: Earn Premium Interest

Earn premium interest when you meet the requirements below.

  • No monthly maintenance or activity fees
  • Unlimited transactions
  • Free debit card
  • $1,000 minimum opening deposit

Premium interest requirements: Meet all 4 requirements during the monthly statement cycle to obtain the Qualifying Rate.

  • At least 12 Visa debit card purchases posted (excludes ATM transactions)
  • Receive e-Statements (requires enrollment via Online or Mobile Banking and ongoing valid email address)
  • Access Online or Mobile Banking at least once
  • One Direct Deposit posted to this account

If earning premium interest on a checking account appeals to you, and you can meet the account’s requirements, Bonus Checking is a great option.

 

MyStyle Checking: for Those Age 14 to 25

MyStyle Checking celebrates the power of choice. When you open your MyStyle account, you can choose three of five features that fit you best:

  • $50 (requires e-Statements and 10 point-of-sale transactions)1
  • ATM Fee Freedom2
  • Free Designer Debit Card
  • Free replacement of your Designer Debit Card
  • $10 Mobile Banking Bonus3

MyStyle account holders also enjoy these benefits:

  • No monthly maintenance or activity fees
  • Unlimited transactions
  • Free debit card
     

Journey Checking: for Those Age 50+

If you find a customizable account attractive, Journey Checking may be for you. When you open your Journey account, you can choose three of five features that fit you best:

  • Fee Freedom – waives the $10 monthly maintenance fee, if it applies.
  • Free Checks – free specialty gray wallet checks when selected as a feature. (Discount may be available on alternate styles.)
  • Free Check Images – free if enrolled in e-Statements (monthly $2 Check Image Fee is waived); copies of checks provided in your printed statement.
  • Free Designer Debit Card – choose from over 50 designs.
  • $10 Bonus for enrolling your account in e-Statements via Online or Mobile Banking within 60 days of account opening.

Journey account holders also enjoy these benefits:

  • Monthly fees may be waived as an account option
  • Unlimited transactions
  • Free debit card

If you’ve found the right account for you, it’s easy to apply online, or stop by any UBT location and a friendly banker will help you.

  • Personal
  • Managing Your Money
  • checking
  • Bonus Checking
  • mystyle checking
  • journey checking

MyStyle Checking for ages 14-25. $50 opening deposit. (1)Within 60 days of account opening you must enroll in e-Statements via online or mobile banking and have 10 debit card purchases posted (excludes ATM transactions). $50 credited to active account within 10 days of month-end if both requirements met. New checking account customers only. Cannot be combined with other offers. (2)ATM Usage Fee at non-UBT ATMs waived on first 20 transactions posted per statement cycle (excludes surcharges ATM owners may assess). (3)$10 deposited to active account within 30 days of account-opening month-end.

Federal law requires that a percentage of all funds on deposit must be held in reserve. This amount is deducted from the average positive available balance before the earnings credit is determined.