United Citizens Bank of Southern Kentucky A Bank To Come Home To



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Personal Products > Checking
All of United Citizens Bank's Checking Accounts can be opened with a minimum balance of $100.00. ATM/Visa Debit Cards are free, subject to approval. You will receive a binder for your imaged statements and a 150 pack of checks FREE when you open your checking account! We want YOU, our valued customer, to have a choice when choosing your checking account. This is YOUR bank, please feel free to make suggestions, or ask our friendly staff any questions you may have about our products.

UCB FREE CHECKING
  • No minimum balance
  • Unlimited check writing
  • Statement only- images available online
UCB REGULAR CHECKING
  • Unlimited check writing
  • Sweep option
  • Maintain a $200.00 minimum monthly balance
  • $4.00 monthly s/c if average balance is not maintained
UCB MEMBERS CHECKING (Age 50 & Under)
  • Unlimited check writing
  • No minimum balance
  • Free Membership checks
  • Accidental death insurance for acct. owner & qualified family members
  • Free notary service and no fee for cashiers checks
  • Earns a variable rate of interest by maintaining a $1,000.00 monthly balance
  • $7.00 monthly fee
UCB MEMBERS CLASSIC CHECKING (over age 50)
  • Unlimited check writing
  • No minimum balance
  • Free membership checks
  • Accidental death insurance
  • Free notary service/no fee for cashiers checks
  • Earns a variable rate of interest by maintaining a $1,000.00 monthly balance
  • $5.00 monthly fee
UCB NOW ACCOUNT CHECKING
  • Unlimited check writing
  • Earns a variable rate of interest on accounts maintaining a balance of $1,000.00. This will be tier-structured. On accounts maintaining a $2,500.00 balance, a higher rate of interest will be earned.
  • $6.00 service charge if balance falls below required balance of $1,000.00 (no interest will be earned during this time).
UCB MONEY MARKET CHECKING
  • Withdrawals are limited to six transfers/withdrawals per calendar month or statement cycle.
  • Maintain a $1,000.00 minimum balance to avoid a monthly service charge of $6.00.
  • Earns a variable rate of interest if a $1,000.00  monthly balance is maintained. Interest rates are tier-structured and the interest rate is increased at $2,500.00, $10,000.00, $25,000.00, $50,000.00, $75,000.00 and $100,000.00.
  • A charge of $5.00 per item over the withdrawal limit.
UCB ELITE MONEY MARKET CHECKING
  • Six transfers/withdrawals per calendar month or statement cycle.
  • Maintain a $10,000.00 minimum balance to avoid a monthly service charge of $6.00.
  • Earns a variable rate of interest if a $10,000.00 monthly balance is maintained. Interest rates are tier-structured and the interest rate is increased at $50,000.00 and $100,000.00.
  • A charge of $5.00 per item over the withdrawal limit.
  • Minimum to open $100.00.


 
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