FRAUD ACTIVITY INFORMATION: Please be aware, there have been reported instances of impersonators, claiming to be from UNIFY, making fraudulent calls to members requesting confidential/account identification information. Reminder: A real UNIFY representative will NEVER initiate contact with a member requesting such information including full debit/credit card number, PIN, card security code, eBanking username/security access code or full Social Security Number. If you are contacted by someone requesting this account-related information, please do not respond and let us know immediately at 877.254.9328, 24/7.
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Choosing the Right Checking Account for You
UNIFY has four great Checking Accounts, each with their own distinct features and benefits. Here's a side-by-side comparison of our Checking Accounts to help you choose which is right for you.
| Features and Benefits | Free Checking | eChecking | Premier Checking | Right Start Checking |
| Minimum Balance Requirement | $0 ($25 initial deposit required) | $0 ($25 initial deposit required) | $2,0001 | $0 ($25 initial deposit required) |
| Monthly Service Fee | $0 | $02 (if all requirements are met) | $0 (if all requirements are met) | $0 |
| Earns Dividends | No | Yes1 ($1,000 average daily minimum balance required) | Yes1 ($2,000 average daily minimum balance required) | No |
| Direct Deposit Requirement | No | No | No | No |
| FREE Corporate Image Checks | No | No | Yes | Yes |
| FREE Starter Checks | No | Yes | No | No |
| Per-Check Fee | No | No | No | No |
| Must Be an eBanking User | No | Yes | No | No |
| Must be signed up for FREE eStatements | No | Yes | No | No |
| Must conduct 8 transactions per month with Visa Debit Card | No | Yes | No | No |
| FREE Overdraft Protection | Yes | Yes | Yes | No |
| FREE ATM Network Access | Yes | Yes | Yes | Yes |
| FREE non-ATM Network Access | No | Yes3 | No | No |
| Visa Debit Card | Yes | Yes | Yes | Yes |
| FREE eBanking | Yes | Yes | Yes | Yes |
| FREE Online ePay | Yes | Yes | Yes | Yes |
1 The average daily balance is calculated by taking the ending balance of each day, adding each day's ending balance together, then dividing by the number of days in the month. For Premier Checking: any month your account balance falls below the minimum monthly average daily balance of $2,000, your account will be assessed a $5 fee. For eChecking: any month your account balance falls below the minimum monthly average daily balance of $1,000, your account will not earn dividends.
2 $20 monthly account fee applies if account requirements are not met each month.
3 ATM surcharge fees from other institutions reimbursed at the end of the month if all account requirements are met.
Can’t remember your Username?
No problem. Just phone our Contact Center at 877.254.9328, available 24/7, and a UNIFY Representative will assist you.