Personal Checking Accounts

Our easy comparison chart allows you to select the product that is right for your banking needs. Contact your Local Branch for current rates and assistance.

PERSONAL CHECKING PRODUCTS
Product Name
Minimum to Open
Monthly Service Charge
Interest?
Minimum Balance Requirement
Additional Features
BASIC CHECKING
$50
No
No
None
Unlimited Transactions
INTEREST CHECKING
$1,000
No
Yes
$1,000 balance to earn interest
Unlimited Transactions
MONEY MARKET CHECKING
$1,000
$10 (Fee may be avoided by maintaining $1,000 average monthly balance)
Yes
$1,000 balance to earn interest
Limited to six (6) pre-authorized transfers or withdrawals per statement cycle
TIERED MONEY MARKET
$50,000
No
Yes – Tiered
Balances up to $50,000
$50K – $74,9999
$75K – $99,999
$100K – $199,999
$200K & greater
$50,000 balance to earn interest
Limited to six (6) pre-authorized transfers or withdrawals per statement cycle

The following options and fees may also apply to Personal Checking Products:
Statement Options:
  • Choice of an eStatement or a Mailed Printed Statement
  • For $3, Check Images will be included
  • Combined Statements
Optional Enhancements:
  • UMWSB Debit MasterCard® with:
    -Fraud Scoring Detection
    -Zero Liability Protection
    -MasterCard SecureCode
  • Free Online Banking and Bill Pay
  • Popmoney® (fees apply)
Additional Terms:
  • Early Closing Fee if account is closed within 180 calendar days of the Opening Date
  • Monthly Dormancy Fee applied if no activity for 12 months (not applicable on Money Market products, Certificate of Deposit accounts, or Individual Retirement Accounts)

Deposit accounts are backed by the Federal Deposit Insurance Corporation. FDIC insurance covers depositors’ accounts, including principal and accrued interest, up to the insurance limit. The standard deposit insurance amount is $250,000 per depositor. For more information on calculating insurance coverage, visit the FDIC’s Electronic Deposit Insurance Estimator (EDIE) at www.FDIC.gov/EDIE

 

If you have a special account request, such as opening an account for a Trust, Estate, or Inherited IRA, we invite you to schedule an appointment with your Local Branch. 

 

FDIC Deposit InsuranceIcon For: Video

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