Union State Bank Checking Accounts

Account Type	Account Features
Free Checking:	No Minimum Balance Required No Monthly Fee Check Safekeeping Combined Statement (checking and savings account on one monthly statement) (back to top)
Hometown Banking:	(Federal law limits the availability of this account to individuals, sole proprietorships, non-profit organizations operated primarily for religious, philanthropic, charitable, educational, political or other similar purposes, governmental units and funds held in a fiduciary capacity.) Just a $200 Minimum Balance When you keep a $200 minimum daily balance, you will avoid the monthly fee regardless of the number of checks written. Should your balance drop below $200, a $9 monthly fee will be charged. First Order of Personalized Checks Your first order of special member checks will be imprinted with your name and address at no additional cost to you, or take advantage of a 50% discount on other selected check styles. Brokerage Service Reduce brokerage costs. If you make your own investment decisions, enjoy a significant variety of products by working through our Brokerage Service. This service is not FDIC insured, is not a deposit or obligation of, and is not guaranteed by the financial institution. The value of investment products may fluctuate, the rate of return is not guaranteed, and loss of principal invested is possible. VISA^® A separate qualified application is required. Interest on Checking Each day your balance exceeds $1,000 you will receive interest on your entire balance. Preferred Rate on New Installment Loans Have your payments automatically deducted from your checking account and receive a preferred rate. $5,000 Accidental Death Insurance You'll be protected with $5,000 in Accidental Death Insurance 24 hours a day. Payment Card Protection When your credit, ATM and check cards are registered, just call the toll-free 24-hour number to report a loss or theft, and all your card issuers will be notified for you. You'll also receive protection against any liability on every registered card. Key Ring Protection Help to retrieve lost keys. With your personally registered key ring, your lost keys can be dropped in any mailbox and returned to you...at no additional charge. Overdraft Protection (for qualified applicants) Receive an automatic loan up to your personal credit line should you overdraw your checking account. Savers Club^® Discount Book Save 50% at over 43,000 participating lodging properties from coast to coast, and up to 20% on vacation dining nationwide. Plus, you'll find discount offers from theme parks and car rental companies. You can receive a new bargain-filled Savers Club Discount Book every year by completing the postcard located inside the current year's book. Sojourns^® Magazine Subscription Whether you're a serious traveler, or you prefer to enjoy America's beauty from the comfort of an easy chair, vivid color photography and in-depth travel stories will satisfy your wanderlust. You can receive the latest issue in the mail twice a year. 24-Hour Banking MasterMoney CheckCard With your 24-hour banking card, all your transactions are safe, confidential - and fast. Members will receive two MasterMoney CheckCards/ATM cards at no charge. Our MasterMoney CheckCard allows you to pay for purchases without writing a check, while offering all the flexibility and acceptance of a credit card. Union Access Union Access Line allows you to check your balances, transfer funds, make loan payments and place stop payments by calling toll-free 1-877-30-UNION. Combined Statement Simplify your record keeping with our One-Statement. Each month you will receive a record of your checking account and savings account transactions, plus loan balances all on one convenient, easy-to-read statement. (Interest on savings is paid monthly.) "Pay Yourself First" Savings Program Save the easy way. You decide how much you want to save. The amount will automatically be transferred according to your instructions. Check Safekeeping For absolute safety, store your cancelled checks with us. Receive up to 10 copies per year at no charge. Notary Service Bank-by-Mail Fax Service available Direct Deposit of Social Security and Payroll Checks (back to top)
Hometown Banking Plus: All the benefits of Hometown Banking, plus more!	(Federal law limits the availability of this account to individuals, sole proprietorships, non-profit organizations operated primarily for religious, philanthropic, charitable, educational, political or other similar purposes, governmental units and funds held in a fiduciary capacity.) In addition to the Hometown Banking benefits listed above, Hometown Banking Plus members also receive: No Minimum Balance Required Personalized Checks Receive all the personally imprinted checks you need at no additional cost to you. Your special member checks will be printed with your name and address, or take advantage of a 50% discount on other selected check styles. Travelers Checks, Cashier's Checks and Money Orders These secure, convenient instruments are available to you at no issue fee. $5 Reward for Savers Open a new personal savings account with $150 or more or a new CD with $1,000 or more and we'll deposit $5 in your account. Preferred CD Rates This account entitles you to a preferred CD rate - restrictions may apply. Everyday Rebates Rewards Get cash back simply by purchasing items you use every day. Save your receipts when you buy groceries, eat out, purchase clothing or buy pet supplies. At the end of every quarter, send the receipts (up to $100) with your Everyday Rebate Rewards request form, and receive 10% cash back. Rx Advantage^™Prescription Drug Program* Your Rx Advantage card grants you preferred pricing on many prescription medications at participating pharmacies nationwide. And you'll have the added security of our prescription drug monitoring program alerting your pharmacist to important information about your prescriptions. This program is not insurance. Liberty Marketplace Discount Program You can receive up to 15% off the average retail price of diabetes testing products as well as the convenience of having the supplies delivered right to your door with no shipping charges when you order through this trusted mail-order company. All products come with a 100% guarantee for 30 days. Some restrictions apply. This program is not insurance. Increased Accidental Death Insurance* Hometown Banking Plus members receive $10,000 in Accidental Death Insurance 24 hours a day. Safe Deposit Box Store your valuables in a personal-size safe deposit box. It's yours with no rental fee for an entire year. Subject to availability. New rentals only. Medical Emergency Data Card Keep vital health and personal information on hand at all times with this convenient plastic card. In an emergency, medical personnel will have quick access to your current health profile. You can update your card every year. ID Network^TM Safety Service Register your child's photo and description with the ID Network Safety Service. You'll receive a high-quality, plastic, laminated ID card with your child's photo and description, plus a special member number. Should the need arise, call the toll-free number on the card, and the ID Network will fax a high-resolution, digitized photo and description of your child anywhere in the country. Your child receives a photo ID card with name, birth date and personal member number. Auto Trip Routing Get a customized packet of full-color maps showing the most scenic or direct route to your destination anywhere in the continental United States. Photocopy Service We'll copy your important documents and letters at no additional charge. Limits may apply. Just present your Hometown Banking Plus ID card. Free ATM Withdrawals or Deposits Made at Any Terminal Surcharges may apply at machines not owned by Union State Bank. ACCOUNT FEES: The monthly fee for this account is $7.00 regardless of your balance. The monthly fee for this account is $9.00 regardless of your balance, if you have your checks returned. (back to top)
Interest Checking:	(Federal law limits the availability of this account to individuals, sole proprietorships, non-profit organizations operated primarily for religious, philanthropic, charitable, educational, political or other similar purposes, governmental units and funds held in a fiduciary capacity.) Unlimited check writing Minimum balance of $1,000 to earn interest $5 plus $.30 per debit if your balance falls below the $1,000 minimum or your average balance is below $2,000. This account provides you check writing privileges while allowing you to earn a competitive rate of interest on your funds. (back to top)
Senior Citizens Checking:	No Minimum Balance No Monthly Service Fee For customers age 62 or better (back to top)
Union Gold Club:	Union State Bank's Union Gold Club is a program designed for customers 50 years of age or better. To become a member you must either: Maintain $3,000 or more in a regular Savings or Money Market Account. The $3,000 must be in one account. or Maintain $6,500 or more in Certificates of Deposit. This may be a combination of CD's totaling $6,500 or more. Union Gold Club Members will receive the following benefits: Regular Club Checking Unlimited check writing privileges. "Union Gold Club" Personalized Checks All you need...imprinted with your name and address (telephone number and driver's license number, if desired). Mastermoney Check Card/ATM Cards Members will receive two Mastermoney check cards/ATM cards at no charge, and no Bank charges will be assessed on withdrawals or deposits made at any terminal. Preferred CD Rate* Receive a preferred rate on every new Certificate of Deposit issued (restrictions may apply). Direct Deposit* Of social security, government and other checks. American Express^® Travelers Checks Provide safety when you travel - Worldwide acceptance. Receive any amount as often as you need them - no fee charged. Photocopies A limited amount of copies are provided at no cost for your personal record keeping. Special Events You will be invited to join us for picnics, bingo and card parties, seminars, trips and various other special events sponsored throughout the year. Special Membership Card Present this card to receive all the special benefits of the Union Gold Club program. Newsletter Periodically sent to keep you informed of Union Gold Club events and happenings. Notary Service Telephone Transfers Stop Payment Orders ACCOUNT FEES: There is no monthly fee for this account provided you maintain $3,000 in one regular Savings or Money Market account; or maintain $6,500 in one or more Certificates of Deposit. If you fail to maintain the minimum balances, your membership will be canceled and your account will automatically revert to a Free Checking Account or Senior Citizens Checking account based upon your age, with all the conditions and fees that those accounts maintain. You may also get all the benefits of our Hometown Banking Plus for a monthly fee of $3.00 provided you maintain the Union Gold Club balance requirements. (back to top)
Union Gold Club Plus:	(Federal law limits the availability of this account to individuals, sole proprietorships, non-profit organizations operated primarily for religious, philanthropic, charitable, educational, political or other similar purposes, governmental units and funds held in a fiduciary capacity.) Union State Bank's Union Gold Club Plus combines all the benefits of the Union Gold Club program with the Hometown Banking Plus program (see benefits listed above) for a $3.00 monthly fee. Customers age 50 or better are eligible. To become a member you must either: Maintain $3,000 or more in a regular Savings or Money Market Account. The $3,000 must be in one account. OR Maintain $6,500 or more in Certificates of Deposit. This may be a combination of CD's totaling $6,500 or more. (back to top)
Clubs and Organizational Checking:	This account is designed for public service organizations that have a need for a checking account. $300 minimum balance Check safekeeping Service charge applies if minimum balance not met (back to top)