Checking Accounts

Guardian Checking

Designed for your peace of mind and loaded with valuable benefits, Guardian Checking from UCB delivers important protection and valuable savings for you, your family, and your finances. Request an appointment at a location near you to learn more and get started today!

Guardian Checking includes these benfits and more:1

  • IDProtect®
  • Cell Phone Protection
  • Debit Avantage®
  • Travel & Leisure Discounts
  • Health Savings Discounts (This is not insurance)
  • All this and much more for $4.95 per month2

Select Compare Accounts for more information.


Rewards Checking

Earn points for things you do every day! A Rewards Checking Account from UCB allows you to earn points toward gift cards, merchandise, and travel with each signature-based debit card transaction. Open a Rewards Checking Account from UCB and start earning today.

  • Earn up to 6000 Bonus Everyday Points for opening a new account, activating the required products, and registering on the rewards site1
  • Includes an Everyday Points Visa Debit Card with secure EMV chip and no annual fee
  • Choose "Credit," sign, and earn points for everyday purchases
  • No minimum balance fees or requirements
  • Includes E-Statements, Email & Text Alerts, and Online Bill Pay
  • 24/7 account access with Online and Mobile Banking

Select Compare Accounts for more information.


Value Checking

Enjoy the savings and convenience of Value Checking from UCB! With the latest in online services and the debit card of your choice, this streamlined account will add value to your life.

  • Enjoy checking with no minimum balance fees or requirements  
  • 24/7 account access with Online and Mobile Banking
  • Securely & easily pay bills with unlimited Online Bill Pay
  • Simplify your finances with Free E-Statements, Direct Deposit, an Automatic Savings Plan and Automatic Loan Payments
  • Track balances and transactions with convenient Email & Text Alerts

Select Compare Accounts for more information.


UCB University Checking

University Checking from UCB is perfect for the checking beginner!  Students enjoy no monthly service fees and the latest in online services.

  • Open your account with a minimum $1.00 deposit
  • No monthly service fees or required minimum balance
  • 24/7 account access with Online and Mobile Banking
  • Securely & easily pay bills with unlimited Online Bill Pay
  • Track balances and transactions with convenient Email & Text Alerts
  • Includes Everyday Points Bonus Package1

Select Compare Accounts for more information.


Interest Checking

With Interest Checking from UCB, you can earn interest on your account balance and enjoy the latest in online services and the debit card of your choice.

  • Pays interest on balances over $1,000.00  
  • 24/7 account access with Online and Mobile Banking
  • Securely & easily pay bills with unlimited Online Bill Pay
  • Simplify your finances with Direct Deposit and Automatic Loan Payments
  • Track balances and transactions with convenient Email & Text Alerts

Select Compare Accounts for more information.


Team 50 Checking

Team 50 Checking from UCB is designed especially for our customers age 50 and better! 

  • No minimum balance requirements or monthly service fees
  • Includes FREE: Team 50 Style Checks, cashier's checks, notary services, fax service, limited photocopies, and paper statements
  • Safe Deposit discount available at participating locations
  • 24/7 account access with Online and Mobile Banking
  • Securely & easily pay bills with unlimited Online Bill Pay
  • Ask us how select Team 50 perks can be added to any checking account

Select Compare Accounts for more information.


1Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. | Shopping and travel savings are available online only. Health discounts are not insurance. | CreditScore is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. | Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance products are not insured by the FDIC or any federal government agency; Not a deposit of or guaranteed by the Bank or any Bank Affiliate. | Visit with your Banker for complete details.

2The monthly fee of $4.95 is the service fee for the checking account and is charged regardless of the available checking benefits activated.

3Bonus Points offer is valid for NEW checking accounts only. Upon activation of required products and services, you will receive bonus points redeemable for a $50 gift card. The rewards points will be reported to the IRS as interest income. An active debit card is required to earn points. E-statement use is required to redeem points. Points are earned on qualifying signature-based transactions and are dependent upon merchant discretion. Timeframe for points to be credited to point bank may vary. For more information about the Everyday Points rewards program, please visit your nearest United Community Bank location. 

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