Personal Accounts

UNB Five Star Club Account
A minimum of $250 is required to open this account. Keep $250 in your account and earn the NOW Account interest rate on your checking account balances and pay only $5 per month. Earn no interest if your minimum balance falls below $250 during the month. You will receive a bonus interest rate of 10 basis points on your CD’s, when your combined deposits are greater than $25,000. You will have unlimited check writing at no additional charge. Basic checks will be provided to you at no additional charge and receive a $5 discount toward the purchase of designer checks. You will receive a small safe deposit box at no additional charge the first year. Then, a 10% annual discount will apply  to the rental price of any size safe deposit box depending upon availability. There is no issue charge for any money orders or cashier’s checks.(Some restrictions may apply).You will receive prescription drug and eyewear discounts. Lifestyle benefits include Identity Theft 911 help and $20,000 accidental death & dismemberment insurance plus $40,000 common carrier coverage.

Personal Checking
The Personal Checking account is the perfect account for any household. It is available to the general public and is free of charge if a balance of $250 is maintained. If the balance falls below $250, a monthly service charge fee of $5 will be charged to the account. The minimum deposit to open this account is $100. There is a charge of $.10 for each debit transaction in excess of thirty (30) during a statement cycle. Overdraft Privilege is available up to $500 on this account.

Free Checking
Tired of monthly service charge fees – pay no more! This account is available to the general public and there are NO minimum balance requirements, NO monthly service charges, No direct deposit requirement, and you have unlimited check writing privileges for this account. The minimum to open this account is $50. Checks and/or check images are not returned with the statement. Overdraft Privilege is available up to $500 on this account.

NOW Account
Earn interest on your deposits. The NOW account is an interest bearing checking account. The minimum to open is $1000 and earns interest at the current stated rate as long as the minimum balance of $1000 is maintained. If the balance falls below $1000, there is a monthly service charge fee of $10. You have unlimited check writing privileges with this account. Overdraft Privilege is available up to $500 on this account.

Money Market
This is a combination checking and savings account. The minimum to open this account is $1000. This account earns interest at the current stated rate as long as the minimum balance of $1000 is maintained. If the balance falls below $1000, there is a monthly service charge fee $10 charged to the account. Withdrawals are limited to six (6) per month with no more than three (3) by check. There is an excess debit fee of $20.

Super! Money Market
Get more bang for your buck! This is a combination checking and savings account with tiered rates. The minimum balance to open this account is $5000. If the balance falls below $5000, there is a service charge of $10. This account earns interest at the current stated rate assigned to their tier as long as the minimum balance is maintained. Withdrawals are limited to six (6) per month with no more than three (3) by check. There is an excess debit fee of $20.

Commercial Checking
This account is designed for businesses of all types and sizes. The minimum to open this account is $1000. If the balance falls below $500, there is a monthly service charge of $10.  There is a charge of $.10 for each debit transaction in excess of thirty (30) during a statement cycle.

Savings & Time Accounts

Savings Accounts
Save for your future. The minimum to open this account is $50. If the balance falls below the minimum of $50, there is a service charge of $2. This account earns interest at the current stated rate as long as the balance is at least $25. There is a limit of 6 withdrawals per quarter with an excess withdrawal fee of $2 per debit.

Certificates of Deposit
Minimum to open is $1000. Certificates may be written for anywhere from 3 months to 5 years with interest payable monthly, quarterly or at maturity. Rates are subject to change daily. There is a penalty if funds are withdrawn before the maturity date of the certificate. Rates are available upon request.

Individual Retirement Accounts
Invest in your future. The law provides that any individual who is under 70 ½ years of age and who has earned income may establish an IRA and make contributions. If you would like to open an IRA, see one of our IRA representatives to fill out the necessary forms. The deposits you make to your IRA will be subject to the provisions governing those deposits.

Ask us about Overdraft Privilege –OOPS!  (Occasional Overdraft Protection Service)