Checking and Savings Accounts for Everyday Banking
Manage spending, saving and financial goals all in one place.
Your checking account helps you handle the day-to-day. Your savings account helps you prepare for what’s next. Convenient branch locations plus digital banking tools help you manage money wherever life takes you.
No Monthly Fees*
Open in Minutes
Move Money Easily Between Accounts
Save for Short-Term Goals and Emergencies
Why customers choose us
- More than 125 years of experience
- Member FDIC
- Local support and guidance from real bankers
Checking Options
- Use your account for everyday purchases, bill pay, direct deposit and digital banking.
- Access your money with Online and Mobile Banking
- Move money to savings whenever you want**
A simple solution for everyday banking.
- No monthly maintenance fee
- No balance requirements
Interest-earning account with extra perks.
- $0 or $10 monthly maintenance fee
Waived with monthly direct deposit or $2,500 minimum daily account balance or $10,000 minimum daily combined1 - Up to 5 free non-AUB ATM transactions per statement cycle2
Perfect for students and seniors.
- $0 or $5 monthly maintenance fee
Waived if account owner is age 13-24 or 62+3 - No overdraft fees
- BankOn Certified
A special account for those who serve our communities so well.
- No monthly maintenance fee
- No balance requirements
- Earns interest
- Up to 5 free non-AUB ATM transactions per statement cycle2
Earn interest while enjoying enhanced benefits.
- $0 or $25 monthly maintenance fee
Waived with $25,000 minimum daily account balance or $50,000+ combined personal deposit and loan balances4 - Unlimited free ATM transactions
- Free personal checks ordered through us
Every checking account includes these valuable features at no additional cost to you:
24/7 Banking
Bank on your time with Online and Mobile Banking.
ATM Network Access
Thousands of free ATMs nationwide through the SUM® ATM Network
Zelle®
The fast, safe and easy way to send money to family and friends.
Credit Score Monitoring
Check on your credit score and more with SavvyMoney.
Savings Options
- Set money aside for emergencies, upcoming expenses and the goals that matter most.
- Keep your savings separate from everyday spending.
- Save with intention. With Money on Purpose, you can set savings goals, automate transfers or choose to donate and give back to your community all within the Mobile Banking app.
- $25 to open
- Maintain a $300 daily balance or receive at least one Round Up Savings transfer credit each month (enrollment required) to avoid a $5 monthly maintenance fee
- An activity fee of $3.00 will be charged for each withdrawal in excess of three during a month
- FDIC insured, up to the FDIC established limits
- Earn more with a competitive 3.40% APY6
- Access to your funds at any time
- Enjoy peace of mind with FDIC insurance
- Get started with a $500 minimum opening deposit
- Tiered interest means the larger your balance, the more you earn
- Maintain a minimum daily balance of $2,500 to avoid a $12 monthly maintenance fee
- $500 to open
- FDIC insured, up to the FDIC established limits
- Money grows at a fixed rate for the CD's term
- $1,000 minimum to open
- FDIC insured, up to the FDIC established limits
Why open Checking and Savings together?
Most banks treat these as separate products. We designed them as a system, because your financial life isn’t separate.
Auto Save on Every Purchase
Round up every debit card transaction to the nearest dollar and automatically sweep the difference into your savings. Small change becomes real money.
Better Budgeting
Separate spending and savings and stay on top of your finances.
One Dashboard, Full Picture
See your spending, saving progress and net balance in a single view. Stop toggling between apps to understand where you actually stand.
Two accounts. One great experience.
Why customers choose checking:
- Easy access to money for daily spending
- A place for direct deposit and bill payments
- Convenient digital tools for managing account activity
Why customers choose savings:
- A separate place for goals and emergency funds
- A simple way to build a saving habit
- Added peace of mind when unexpected expenses come up
Greenlight
Greenlight is the free7 debit card and money app designed to help you teach your kids how to spend wisely. Included for free with any personal checking account.
Frequently Asked Questions
Opening both accounts together gives you a convenient way to manage everyday spending while setting aside money for emergencies, goals, charitable giving and future expenses.
Yes. Many customers use checking for everyday transactions and savings for money they want to keep separate for future needs.
Yes. Linking checking and savings can make it easier to transfer money and stay organized.
Opening savings now can help you build good habits from the start and make it easier to set money aside on a regular basis.
High yield savings accounts are a lot like traditional savings accounts, except they offer higher interest rates, so your money can grow faster. The interest rate is variable so may change up or down over time.
The Federal Deposit Insurance Corporation (FDIC) preserves and promotes public confidence in the U.S. financial system by insuring depositors up to $250,000 per depositor, per insured bank.
Greenlight is the award-winning money app and debit card that empowers parents and guardians to raise financially smart kids. Kids and teens learn to earn, save and spend wisely – while parents and guardians can quickly send their kids money, get real-time notifications, set up chores and pay allowances, create savings goals and more.
New and existing AUB personal checking account holders are eligible to receive the Greenlight SELECT plan at no cost – a $69 / year value. Simply enroll through our Mobile Banking app and select your AUB personal checking account as the funding source to get started.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
*Free Checking and ThankU Checking feature no monthly maintenance fees. Monthly fees for other account types can be waived following certain criteria.
**For CDs, a penalty may be imposed for withdrawals made before maturity. Fees could reduce earnings on the account.
1Loyalty Checking: $10 monthly maintenance fee can be waived by: Receiving at least one qualified monthly direct deposit, or maintaining a $2,500 minimum daily account balance, or maintaining a $10,000 minimum daily combined balance in personal deposit, loan and line of credit accounts (business accounts are excluded). A qualified direct deposit is an electronic deposit of regular monthly income, such as your salary, pension or Social Security benefits, which are made by your employer or other payer into this account.
2Loyalty Checking and ThankU Checking: We’ll waive our Non-Atlantic Union Bank ATM fee (refer to our Fee Schedule) for your first 5 non-AUB ATM transactions per statement cycle. We’ll also reimburse you for transaction fees on the same transactions charged by the owner of a non-AUB ATM. You will be responsible for any additional fees charged by the owner of a non-AUB ATM as well as any international transaction or other fees charged by the network.
3PRISM Checking: To open an account for youth ages 13-17, the account must be co-owned with a parent / guardian who is at least 18 years old. The monthly maintenance fee is not charged if an owner on the account is age 13 through 24 or age 62 and older; otherwise, a maintenance fee of $5 will be imposed every statement cycle.
4Preferred Checking: $25 monthly maintenance fee can be waived by maintaining a $25,000 minimum daily account balance or a $50,000 minimum daily combined balance in personal deposit, loan and line of credit accounts (business accounts are excluded).
5$1,000 minimum opening deposit. The Annual Percentage Yield (APY) and interest rates are accurate as of June 8, 2026. Rates are subject to change without notice. Rates may vary by location. Fees could reduce earnings on the account. A penalty may be imposed for withdrawals made before maturity. After account opening, there is no minimum balance requirement to obtain the disclosed APY. IRAs are available to consumers only. At the end of your Special CD / IRA term of 4, 7 or 13 months, your account will automatically renew to the Standard CD / IRA term (3, 6 and 12 months) that is closest to but not greater than your Special CD / IRA term. In addition, upon maturity your CD / IRA special rate will convert to the Standard rate applicable to the Standard CD / IRA term.
6The interest rate tiers and Annual Percentage Yields (APYs) for this product are: Under $50,000, 3.40% and $50,000 or more, 3.40% and is accurate as of June 1, 2026. The minimum opening deposit is $500. Maintain a $500 minimum daily account balance to waive $10 monthly maintenance fee. You must maintain the minimum daily balance needed for each tier to earn the APY disclosed. This is a variable-rate account. The rate may change at any time without notice after the account is opened. Fees could reduce the earnings on the account. Refer to the High Yield Savings Account Overview Guide online for more information. Not available for business accounts.
7Atlantic Union Bank (AUB) customers are eligible for the Greenlight SELECT plan at no cost when an eligible AUB personal checking account is added as the preferred funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, accountholders will be responsible for associated monthly fees. See Greenlight.com/terms for additional information. Offer ends 5/19/2029. Offer subject to change and partner participation. Greenlight is a financial technology company, not a bank. The Greenlight prepaid card is issued by Community Federal Savings Bank, Member FDIC, pursuant to license by Mastercard International.