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Checking Accounts
Click here to access Hometown Banking Benefits

Click here to access Hometown Banking Plus Benefits

 
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)

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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 $300 Minimum Balance
    When you keep a $300 minimum daily balance, you will avoid the monthly fee regardless of the number of checks written.  Should your balance drop below $300, a $9 monthly fee will be charged.
  • First Order of Personalized Checks
    Your first order of special member checks will be printed with your name and address at no additional cost to you, or take advantage of a 50% discount on other selected check styles.
  • Credit Alert
    With 24-hour, daily credit monitoring, you'll be alerted automatically of certain negative changes to your credit.  While it can't prevent identity theft, Credit Alert can greatly reduce its impact by allowing you to minimize the damage.  If there are no changes to your credit, you'll even receive a quarterly notification letting you know that nothing has changed.  Your initial enrollment in Credit Alert will be valid for one year with an option to re-enroll at not additional cost!
  • 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.
  • No Fee Stop Payments
    The fee for Stop Payment Requests are waived.  Limits may apply.

  • $5,000 Accidental Death Insurance
    You'll be protected with $5,000 in Accidental Death Insurance 24 hours a day.

  • Payment Card Protection
    Protect all your credit, debit, ATM and check cards in the event of loss or theft.  Register your card numbers and with one phone call, you may cancel cards, stop unauthorized purchases and request new cards using our toll-free 24-hour number.
  • 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
    Everyday savings right at your fingertips.  Find savings on movie tickets, theme parks, grocery coupons, car rentals and much more.  With Savers Club you can also save up to 50% at on room rates at thousands of participating hotels, motels and inns worldwide.
  • 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.
  • Member Benefits Online
    If you have Internet access, you'll have immediate, 24-hour-a-day online access to your program benefits.  As a member, you can discover more about Hometown Banking. 
  • Notary Service
  • Bank-by-Mail
  • Fax Service available
  • Direct Deposit of Social Security and Payroll Checks

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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 rewarded - 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 AdvantagePrescription Drug Program*
    Your Rx Advantage card gives you discount 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.
  • NationsHealth Medical Supply Pharmacy*
    You can receive up to 15% off the average retail price of diabetes testing products.  You'll enjoy 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.
  • Photocopy Service
    We'll copy your important documents and letters at no additional charge. Limits may apply.
  • 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.

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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.

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Senior Citizens Checking:
  • No Minimum Balance
  • No Monthly Service Fee
  • For customers age 62 or better

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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.

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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.

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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

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You can email Renee Selner or Cindy Vanness or call them at 920-388-3466. 
You can email Sally Norder or Kathy Rabas call them at 920-468-7000.

"Your Hometown Bank for over 95 Years"

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