Select from a range of affordable checking products. You can choose a FREE checking account with direct deposit or an interest bearing checking account with a high rate of interest. If you are a senior (65 or older), you can choose a free checking account. If you have had problems with bank relationships in the past and you need a second chance, we have a checking account for you too!
With OneUnited Bank checking accounts you can obtain:
- Free Visa Debit card
- Free online banking
- No or low monthly account maintenance fees
- No or low minimum balances to avoid fees
- No ATM fees for proprietary ATMs
- No check cashing fees
- No transaction or per check fees
- Free 24 hour telephone banking
- Free online bill payment services
- Convenient banking by mail and direct deposit
- Convenient personal service by phone
For more information, see OneUnited Bank Truth In Savings Disclosures in our branches.
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| Checking |
| Consumer Checking Accounts |
Minimum Deposit to Open |
Monthly Maintenance Service Charge Membership Fees |
Minimum Balance to Earn Annual Percentage Yield (APY) |
Minimum Balance to Avoid Maintenance Service Charge Membership Fee |
| FreeStyle Membership |
| UNITY FreeStyle Checking*
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$10.00 |
$8.00** |
N/A |
$500.00 |
| Gold Membership |
| UNITY Gold Checking*
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$10.00 |
$15.00 |
$100.00 |
$5,000.00 |
| Senior Membership |
| UNITY Silver Checking*
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$10.00 |
$0.00 |
N/A |
N/A |
| U2 Membership |
| U2 Checking ***
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$10.00 |
$10.00 |
N/A |
N/A |
* Membership Eligible Accounts. See Disclosures.
** Free with Direct Deposit
*** U2 Checking customers are required to open a UNITY Holiday Club Savings.
Member FDIC |
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See OneUnited Bank Truth in Savings Disclosures for more details.
• Learn more about rates
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