Choosing the UBT checking account that fits you best

June 01, 2021
CHoosing a good checking account doesn't have to be hard

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, so it should fit you just as 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.


Simply Free Plus: Earn premium interest

With a Simply Free Plus checking account from UBT, you can earn premium interest when you meet the requirements below. A minimum opening deposit of $1,000 is all it takes to get started. Plus, enjoy perks like:

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

Premium interest requirements: Meet all four of these 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, Simply Free Plus is a great option.


Simply Free Student: For those ages 14 to 25

Simply Free Student checking is a starter account for young people. With this account, they’ll enjoy perks like: 

  • $50 bonus (requires e-Statements and 10 point-of-sale transactions)1
  • Two free non-Union Bank ATM transactions per statement cycle2
  • Free designer debit card

Simply Free Student account holders also enjoy these benefits:

  • No monthly maintenance or activity fees
  • Unlimited transactions
  • No minimum balance

Simply Free Platinum: For those ages 50+

A checking account with classic features like free checks.

  • Free checks: Get free specialty gray wallet checks. (Discount may be available on alternate styles.)
  • Free check images: Copies of checks provided in your printed statements, a $2 per month value. (Note: Check images are included with e-Statements free of charge.)

Simply Free Platinum account holders also enjoy these benefits:

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

Ready to open your account?

Now that you know which account is right for you, this is the perfect time to come to UBT! You can apply online or visit the UBT branch nearest you. And of course, if you need help, we’re here for you.


Looking for more information about free checking accounts? Click here.

  • Personal
  • Managing Your Money
  • checking

Simply Free Student account for ages 14-25. $50 opening deposit. (1)$50 deposited to your active account within 70 days of account opening when you meet these two requirements: enroll in e-Statements via online and mobile banking and have 10 debit card purchases posted (excludes ATM transactions) within 60 days of account opening. New checking account customers only. Cannot be combined with other offers. (2)ATM usage fee at non-UBT ATMs waived on first 2 transactions posted per statement cycle (does not waive surcharges some ATM owners may assess.)

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