checking We offer a variety of options to help make your life easier!


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uREWARDS

Go Green + Earn Cash*

eCHECKING

Online Banking at its best, while earning a higher interest rate

uCHECKING

A great basic checking account.

uPRIME

Let your money work for you!

U@Work

For employees of our Business Customers

HSA

Have a High Deductible Health Plan?  Open a Health Savings Account to help save for medical expenses

MINIMUM OPENING DEPOSIT $50 $1 $50

$50 $50
$1 to open w/ACH or Auto transfer
$100 to open with no ACH or Auto transfer
MINIMUM BALANCE REQUIRED
No Minimum Balance No Minimum Balance $50
  • $500 Minimum Balance
  • $500 Minimum to Earn Interest 1
  • No Minimum Balance for those over 55
$100 Minimum Balance to earn interest
No Minimum Balance
$2500 Minimum Balance to earn interest
FEATURES
  • *Earn $0.05 Per POS Transaction up to $5.00/ month Maximum
  • Check images available2
  • 1st Yr Safe Deposit Box Rent Waived
  • Annual fee waived on Checking Reserve 4
  • 1st Order of Single Logo Checks at No Charge3
  • No Fee Cashiers Checks
  • Check Images Available2
Check Images Available2
Age 55+
  • 1 Order (Single Logo Checks) per 12 months at no charge
  • Check Images Available2
  • 1st Yr Safe Deposit Box Rent Waived
  • $25 Credited to account after 90 days from first direct deposit upon request5
  • $250 off Mortgage loan Processing fees6
  • 0.25% interest rate reduction on consumer loan w/auto pay7
  • Reduced annual fee on Checking Reserve7,8
  • Check available upon request
  • Check Images Available2
INTEREST BEARING
NO
  • Yes, on Average Daily Balance1
  • Interest is compounded monthly & credited monthly
NO
  • Yes, on Average Daily Balance over $5001
  • Interest is compounded monthly & credited monthly 
  • Yes, on Average Daily Balance over $100 1
  • Interest is compounded monthly & credited monthly 
  • Yes, on Average Daily Balance over $25001
  • Interest is compounded monthly & credited monthly
ACCOUNT REQUIREMENTS
  • Online Banking
  • eStatements
  • Debit Card
  • Direct Deposit
  • Online Banking
  • eStatements
  • Debit Card with 10+ POS transactions per cycle
NA NA
  • Employer is Unity Bank customer
  • Direct Deposit or ACH Debit
  • Online Banking
  • eStatements
NA
FEES
None Service Charge: $10 if requirements are not met during that month Minimum Balance Fee: $5 per month if balance falls below $50 at any time during that month Minimum Balance Fee: $10 per month if balance falls below $500 at any time during that month.
None Service Charge: $2 per month with no additional Unity Bank Relationships during that month.


1Interest rates subject to change without notice. Interest is calculated on average daily balance. 2No fee with eStatements or $5.00 /month with Paper Statements. 3Discount applies to Unity Bank logo checks offered by Main Street Checks at account opening.  4Subject to credit qualification. Other Terms and Fees may apply. 5Request at local Unity Bank 90 days after your first direct deposit was deposited into your account. Limited Time Offer 6Restrictions apply. Limited time offer. 7Subject to qualifications. Reduced Interest rate requires continued automatic payments from your U@Work Checking account. 8$10 reduction in annual fee. Reduced fee available in conjunction with an active U@Work checking account. Limited time offer. 


Funds Availability Notice  USA Patriot Act