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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 $0 $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.

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