woman looking at computer

Checking

Account Name Minimum Opening Deposit Service Charge Earn a Service Charge Refund Earns Interest
Advantage Checking $100 $7 Yes - Up to $7 per cycle Yes
Rewards Checking $100
$3 Yes - Up to $3 per cycle
Yes 
Wallet Checking $100
$3 Yes - Up to $3 per cycle
No
Advantage Checking is our premier interest-bearing checking account that includes all of our best services. Advantage Checking is a perfect fit for current UNION Savings BANK customers with existing accounts! 

Earn a $7 service charge refund each statement cycle when you have any one of the following:
  • Have an active trust relationship or mortgage loan OR
  • Maintain a $2,500 account balance in the Advantage Checking account throughout the cycle OR
  • Combined balances in all deposit accounts total more than $10,000 at the end of the cycle
Complimentary Services:
  • Debit Card
  • Online Banking
  • Online Bill Pay
  • Mobile Banking
  • Mobile Deposit
  • Overdraft Protection
  • One box of checks annually
  • No charge for official checks
  • No charge for transfers when using our S.T.O.P service
  • Electronic Statements ($2 paper statement fee applies)
Rewards Checking is a great fit if you pay for most purchases with a debit card and like to earn interest on your checking account.

Earn up to a $3 service charge refund each statement cycle when you:
  • Posted debit card transactions earn $0.20 each in service charge refunds up to $3 each cycle.
  • You will need to use your debit card 15 times in a statement cycle to earn a full refund!
Complimentary Services:
  • Debit Card
  • Online Banking
  • Online Bill Pay
  • Mobile Banking
  • Mobile Deposit
  • Overdraft Protection
  • One box of checks of our choosing at account opening
  • No minimum balance requirement
  • Electronic Statements ($2 paper statement fee applies)
No frills! Simply Good! Wallet Checking works best if you need an account that easily handles everyday banking activities.

Earn up to a $3 service charge refund each statement cycle when you have any one of the following:
  • Have direct deposits into the Wallet Checking that total $1,000 during the statement cycle OR
  • Combined account balances in all deposit accounts total at least $2,000 OR
  • Primary account holder between the ages of 18-23
Complimentary Services:
  • Debit Card
  • Online Banking
  • Online Bill Pay
  • Mobile Banking
  • Mobile Deposit
  • Overdraft Protection
  • One box of checks of our choosing at account opening
  • No minimum balance requirement
  • Electronic Statements ($2 paper statement fee applies)
Additional Information:
The content on this page is informational only. Accounts are subject to approval. The terms of the account, including features, benefits, rates, or fees, may change at any time. Complete disclosures that detail the terms and conditions of these accounts are available at any branch or by calling 815-235-0800. UNION Savings BANK generally accepts applications from individuals residing in our service area. Our service area is generally defined as Stephenson, Winnebago, Boone, Jo Daviess, Ogle, and Carroll counties in Northern Illinois.