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Checking Accounts

Free Checking

No Minimum Balance
No Monthly Fees
No Per Item Fees
Visa Check Card/Debit Card Available
Non-Interest Bearing
First Box of Checks Free
Free Travelers Cheques

NOW Checking

$300.00 Minimum Balance
A fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $300.00 any day during the monthly cycle. A per item fee of $.25 will also be imposed for each check that clears during the below minimum period
Earns interest with minimum balance of $300.00
VISA check card/ debit card available
First box of checks free
Free Travelers Cheques

Advantage Checking ($50.00 Cash Bonus)*

No Minimum Balance
Unlimited check writing privileges with no per check fee and FREE personalized checks
Earns interest with no minimum balance
VISA check card/debit card available
FREE travelers checks, cashiers checks, money orders and notary services
"Easy Pay" for mortgage loan payments

*Participation in our automatic mortgage "Easy Pay" program for a minimum of 24 months is required in order to qualify for the cash bonus and other Advantage Checking benefits. Annual Percentage Yield of .35% accurate as of 6/30/08. Fees could reduce earnings on this account. The rate may change after the account is opened.

Senior Checking (age 60 and over)

No Minimum Balance
Free Checks for Life of the Account
No Monthly Fees
No Per Item Fee
Earns Interest with Balance Over $300.00
Free Travelers Cheques
Visa Check Card/Debit Card Available

Business Checking

$300.00 Minimum Balance
A fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $300.00 any day during the monthly cycle. A per item fee of $.25 will also be imposed for each check that clears during the below minimum period.
Earns Interest if Eligible
Free Travelers Cheques

Union Savings Bank has chosen not to participate in the FDIC’s Transaction Account Guarantee Program. Our customers with non-interest bearing transaction accounts will continue to be insured through December 31, 2009 for up to $250,000 under the FDIC’s general deposit insurance rules.