Checking
Free Online and Mobile Banking
Free Design Mine™ debit card
Discounts on personal loans5
Additional Account Features
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Available for | Customers that want a low-cost checking account with no overdraft fees. (Not eligible for Overdraft Privilege Services) | Customers that don’t want monthly service charges or minimum balance requirements. | Customers that want to earn interest and enjoy enhanced account benefits. | For customers that want to experience our highest level of checking, access unique benefits and enjoy higher rates paid on higher balances. | Current or retired Teachers/administrators, Local, State and Federal Law Enforcement, Fire Fighters, First Responders, Healthcare professionals, and members of the US Armed Forces. |
Minimum to open an account | $25 | $25 | $25 | $25 | $25 |
Monthly maintenance fee | *$5 | $0 | $10 | $25 | $0 |
Minimum daily balance required to avoid monthly maintenance fee | N/A | N/A | $2,500 min. or $10,000+ combined1 | $25,000 min. or $50,000+ combined2 | N/A |
Interest | N/A | N/A | Tiered | Premium Tiered | Tiered |
Free transactions from non-Atlantic Union Bank ATMs |
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5 / Cycle | Unlimited | 5 / Cycle |
Deluxe personal checks |
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Cashier's checks | $5 each | $10 each | Free | Free | Free |
Paper check images | $2/month (optional) | $2/month (optional) |
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Free eStatements |
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Free safe deposit box3 |
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Free on sizes up to 3x5 or 50% off larger boxes |
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Installment loan discount (w/auto draft of loan payment)5 | .25% | .25% | .25% | .35% | .25% |
LifeLock by Norton Identity Theft Protection6 | 35% discount off first year | 35% discount off first year | 35% discount off first year | 35% discount off first year | 35% discount off first year |
Additional benefits | Qualifies for PRISM Savings account with no monthly maintenance fee when account owner has PRISM Checking** | Qualifies for higher rate Loyalty Money Market, CDs and IRAs with $500 minimum direct deposit4 per statement cycle | Qualifies for higher rate Loyalty Money Market, CDs and IRAs | Qualifies for higher rate Loyalty Money Market, CDs and IRAs | Qualifies for higher rate Loyalty Money Market, CDs and IRAs |
Get started! | Apply Now | Apply Now | Apply Now | Apply Now | Apply Now |
*The maintenance fee is not charged if an owner on the account is age 13 through 24 or age 62 and older. To open a PRISM Checking account, at least one owner must be 18 or older. Joint owners must be 13 or older.
**To qualify for a PRISM Savings account, at least one owner of the PRISM Savings account must also own a PRISM Checking account. View the Truth in Savings for PRISM Savings for more information or talk to your Banker.
1A maintenance fee of $10 will be imposed every statement cycle if the daily minimum balance in the account falls below $2,500 any day of the cycle or your combined personal deposit, installment loan and drawn line of credit accounts fall below the $10,000 daily minimum combined balance requirement.
2A maintenance fee of $25 will be imposed every statement cycle if the daily minimum balance in the account falls below $25,000 any day of the cycle or your combined balances in your personal deposit, installment loan and drawn line of credit accounts fall below the $50,000 daily minimum combined balance requirement.
3Subject to availability.
4A qualifying direct deposit is a direct deposit of a paycheck, pension, Social Security, or other eligible regular monthly income, electronically deposited by an employer or an outside agency into your checking account.
5This is not a commitment to lend or extend credit. All loans, credit and collateral are subject to approval.
6By subscribing, you are purchasing a recurring subscription which will automatically renew. The 35% off discount price quoted is valid for the offered introductory term of one year.
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