​Personal

Checking

Let us help you choose a deposit account that is right for you.
​We offer several products to meet your needs.

eChecking

A checking account for individuals who want to take advantage of all the electronic services offered at United Citizens Bank.  Get all the great checking features, with no minimum balance to maintain. The $6.00 monthly service fee can be reduced or eliminated by having 10 (ten) Debit Card Transactions and 1 (one) Direct Deposit per statement cycle. eStatements required.

Free Kasasa Cash^® Checking

An interest-earning free checking account that pays a really high rate and earns refunds on ATM withdrawal fees, nationwide!* There is no minimum balance requirements to meet, no monthly account maintenance fee, only $100 minimum deposit to open. Learn more about it here.

Regular Checking

Available for both individuals and businesses. A minimum deposit of $100 is required to open the account. If a minimum average balance of $500 is not maintained, a service charge will apply.

​

Free Kasasa Cash Back^® Checking

A free checking account that earns refunds on debit card purchases and ATM withdrawal fees every month!* There is no minimum balance requirements to meet, no monthly account maintenance fee, and only $100 minimum deposit to open. Get more details here.

​

Money Market

Interest bearing checking account allowing a limited number of transactions per statement period. A minimum deposit of $2,500 is required to open the account. If a minimum daily balance of $2,500 is not maintained, a service fee will apply. A Special Money Market is available with lower minimum balance and APY.

Free Kasasa Tunes^® Checking

Free checking account that pays refunds on your iTunes®, Amazon.com®, and Google Play™ digital purchases. It also earns refunds on ATM withdrawal fees, nationwide!* there is no minimum balance requirements to meet, no monthly account maintenance fee, and only $100 minimum deposit to open. Take a closer look at it here.

Now Account

Interest bearing checking account offered to individuals, nonprofit organizations, government units, and funds held by a fiduciary. A minimum deposit of $1,000.00 is required to open the account.

​

Super Now Account

Same features as a Now account but with a higher annual percentage yield (APY). A minimum deposit of $2,500.00 is required to open the account.

​Deposit Features

---

UCOnline Internet banking
 UCOnline bill pay
UCMobile banking
Anytime Banker telephone banking
Free direct deposit
Free debit card with no annual fee
eStatements
​Person-to-person transfers