Our offices will be closed on Thursday, July 4, 2024 in observance of Independence Day. We will reopen for normal business hours on Friday, July 5, 2024. ATMs, online banking and mobile banking are all open 24/7! PLEASE NOTE: We have updated our "Make a Loan Payment" portal for our retail loans in an effort to improve the customer experience. Existing users will need to create a new username and password in order to log in. Pending and recurring payments have not been changed.

Your Traditional IRA & The CARES Act

Personal Deposit Products

ProductMinimum to OpenMonthly Service ChargeInterest EarnedMinimum BalanceAdditional Features
Certificate of Deposit$500NoYes**NoneInterest can be compounded, mailed by check or automatically transferred to a UMWSB checking or savings or to another bank
Individual Retirement Account (IRA)$500NoYesNoneAny CD can be opened as an IRA
Money Market$1,000$10 monthly (No fee if a $1,000 average monthly balance is maintained)Yes$1,000 balance to earn interestUnlimited transactions
Tiered Money Market$50,000NoYes, tiered by balance*NoneUnlimited transactions
Statement Savings$5NoYesNoneUnlimited transactions
Basic Checking$50NoNoNoneUnlimited transactions
Interest Checking$1,000NoYes$1,000 balance to earn interestUnlimited transactions

* Tiered Money Market:
  Up to $49,999.99
  $50,000 - $74,999.99
  $75,000 - $99,999.99
  $100,000 - $199,999.99
  $200,000 and greater

** APY - Annual Percentage Yield: Assumes principal and interest remain on deposit for the entire year. Withdrawals will reduce earnings on the account. CDs require a $500 minimum balance to earn the APY. There is a penalty for early withdrawal. All product rates are subject to change at any time. Contact your local branch for current rates.



Certificate of Deposit

We offer flexible terms with extremely competitive interest rates.
Relax and let your money work for you. Easy to open, low risk, and guaranteed returns make CDs a great option for your savings needs. United Midwest Savings Bank customers return time and time again because of our excellent customer service.

For current interest rates, contact your Local Branch.

Traditional IRA CD

Supplement your workplace retirement plan with a Traditional IRA.
With a low minimum opening balance of $500.00, we want to assist everyone with saving for their future. All CDs can be opened as an IRA. Our bankers can help you with your Transfer and Rollover needs. 

For current interest rates, contact your Local Branch.

Statement Savings

We're here to help you reach your short-term savings goals a little quicker.
United Midwest Statement Savings account offers you the confidence you need to plan for your future. Whether saving up for a big trip, remodeling project, or rainy day, United Midwest can help you get there.


Basic Checking

No frills, no fuss, no monthly service charge.
Our basic checking program is as simple to use as it is easy to open. For as little as $50, you can open an account today. Choose United Midwest and you will see the personal side of personal banking.

Interest Checking

No strings attached to earn interest. Unlimited checks each month.
We provide a competitive interest rate for our customers who maintain a balance of $1,000 or more. Who doesn't like to earn a little extra?

Money Market

A savings opportunity with check writing convenience.
Whether you are saving for something special or setting aside funds for a rainy day, our Money Market account is the perfect solution. Write a check or use your UMWSB Debit MasterCard to access your money when it's needed the most. Until that time, earn interest and keep these funds separate from those used for day-to-day needs. 



Tiered Money Market

Our Tiered Money Market provides competitive rates while maintaining access to your money. 
All of the same features as our Money Market account, but with 5 tiers to help our customers get the highest interest rate possible. 

For current interest rates, contact your Local Branch.

Additional Services

Reorder Checks

Your checks are handled through a third-party check printing vendor. We can assist you in setting up your check order*, or you can access their website through the link below.

Save time by placing check re-orders online.

Click Here to Re-order Checks

*Check printing charges apply to re-orders placed online and will be automatically deducted from the checking account.

Overdraft Protection Program

The Overdraft Protection Program is a FREE service that allows you to protect your checking account from overdrafts, returned checks, or incomplete electronic payments.  Simply link your primary United Midwest checking account to another United Midwest savings or checking account, and funds are automatically transferred anytime your primary account's balance goes negative.

To enroll, visit your local branch.

Automatic Transfers

Automatic Transfers are a good way to schedule recurring payments for any loan you may have with our bank. They’re also a great way to easily move funds into a savings account, to transfer allowance to your child’s linked account, or to transfer CD interest credits into another linked account.

If you are an active Online Banking user, you have full control over Automatic Transfers you setup online. No need to complete a form at your local branch - you already have access to use this feature. 

Ask your local branch for more information on these valuable services.

Safe Deposit Boxes

We offer Safe Deposit Boxes at select branches and in various sizes for an annual fee. Box sizes, fees, and availability may vary by location, so please contact your local branch for more information.

Safe Deposit Boxes are not insured by FDIC or United Midwest Savings Bank. You may want to contact your insurance provider about coverage under your home owners’ insurance plan.


Switching to eStatements puts your banking information at your fingertips with expedited delivery. View eStatements from anywhere online and download directly to your computer. Print statements only when you need them. 

To get started, log in to Online Banking. New Online Banking users may Click Here to Enroll.

If you don't want the full online banking experience, you may signup for our EStatements Only option.

Combined Statements

Our combined statements can include any or all of your checking and savings accounts as well as the balances of your Certificates of Deposit accounts and/or Individual Retirement Accounts (IRAs). Please contact your local branch to get started.

Branch Locations

Worthington, Ohio - High Street

Columbus, Ohio – Reed Rd.

Columbus, Ohio – East Broad St.

Westerville, Ohio – State St.

DeGraff, Ohio

West Manchester, Ohio

Looking for more information?

Keep the personal in your banking with United Midwest. We are here to help you with your questions.