Savings & Checking Accounts at Union Chequers Bank

The Premier service knows how to save for a rainy day.

Much like every journey begins with a single step, every savings goal starts with that first account. To help you towards whatever your savings goals may be, we start every member off with at least one savings account. If you have a goal, we have a solution to get you there.

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Keep more than your money safe with Premier Service Checking.

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Get to Know Our Options for Saving & Spending Wisely

Savings Accounts

Good interest rates, no monthly fees, and instant access to funds.

Open a Savings Account

Regular Savings

All Union Chequers Bank members start with a regular savings account.

Min. to Open	Rates
$10	Up to 0.05% APY	View rates

Tomorrow Savings

Open additional savings accounts for different savings goals.

Min. to Open	Rates
$1	Up to 0.05% APY	View rates

IRA Savings

Save with the tax benefits* of an IRA.

Min. to Open	Rates
$250	Up to 0.10% APY	View rates

*Consult a tax professional about the advantages of an IRA.

Level Up Premier Savings

The more loans you have with Union Chequers Bank the more you save.

Min. to Open	Rates
$1	Up to 2.00% APY	View rates

Service Fees and Charges

Checking Accounts & Debit Cards

Easy checking options with no fees or minimum balance requirements.

Open a Checking Account

All checking accounts include free eStatements.
Perks include smartphone check deposits and secure mobile payments through Apple Pay®, Google Pay™ and Samsung Pay®.
Our Round Up & Save feature rounds up every debit card purchase to the nearest dollar and puts the funds in your savings. Save without a second thought!
Keep your Premier Visa® cards safe and secure with CardValet® app—control your card’s access, spending limits, and more!
Use Card Control to turn your card on/off and receive on-the-go spending alerts.

Premier Checking™

Earn interest when you meet the monthly qualifications.

Qualifications	Interest Rates	Annual Percentage Yield
Qualifications Met*	0.499%	0.50% APY	View rates
Qualifications Not Met*	0.000%	0.00% APY	View rates

*To meet the qualifications to earn interest on the Premier Checking Account, you must meet all monthly qualifications: 1) Ten (10) settled debit card transactions; 2) active enrollment in eStatements. APY or Annual Percentage Yield of 0.50% is limited to the first $5,000.

Premier Service™ Checking

Premier Service Checking includes all the benefits of Premier Checking. Plus, you'll get a complete suite of identity theft detection and recovery benefits* to protect more than your money for $4.00 per month.

These features include:

Proactive ID theft monitoring services
Identity theft recovery services
Mobile device protection

See more details or sign in to the nxg|PROTECT site.

*Note: MONITORING SERVICES ARE PROVIDED TO THE PRIMARY ACCOUNT HOLDER ON AN ENTITLED BASIS AND REQUIRE CONSUMER ACTION BEFORE THE SERVICES ARE ACTIVE. Proactive Monitoring Services are applicable to individuals age 18 and older who have a valid credit file. Credit Services are provided by TransUnion®, subject to change. The credit score provided may not be consistent with the score model used by a lender, and therefore cannot be relied upon to determine creditworthiness for any particular loan opportunity.

Executive Checking

Great rates, high limits, free stuff:

Free ID theft protection and monitoring
Higher ATM withdrawal limit
Higher mobile deposit limits
Free cashier’s checks
Free checks (and a free leather checkbook cover!)
5 free outgoing wire transfers
Access to an Executive Money Market savings account with higher APY*

There’s also less of stuff you don’t want:

No overdraft transfer fees
No out-of-network ATM fees (ATM owner surcharge may still apply)

Qualifications	Interest Rates	Annual Percentage Yield*
Minimum to open $100 Monthly service charge $20 To waive the monthly service charge, you need either: $50,000 in average combined balances from Union Chequers Bank checking, savings, and Money Market accounts $100,000 in average combined balances from Union Chequers Bank checking, savings, Money Market, CDs and IRA CDs.	0.499%	0.50% APY	View rates

*APY is Annual Percentage Yield.

Premier Passage Checking

Premier Passage Checking gives you all the convenience of a checking account without earning interest.

Interest	Annual Percentage Yield
0.000%	0.00% APY	View rates

Service Fees and Charges

Money Market Accounts

Higher earnings with instant access to funds and no long-term commitment. Plus, no monthly fees.

Super Investor's Money Market Account

Keep your savings liquid while earning on your balance.

Min. to Open	Rates
$2,500	0.10% to 0.50% APY	View rates

Super Investor's IRA Money Market

The benefits of liquidity with the added tax advantages of an IRA.*

Min. to Open	Rates
$2,500	0.15% to 0.55% APY	View rates

*Consult a tax professional about the possible tax benefits of an IRA.

Executive Money Market Account

Available only to members with an Executive Checking Account.

Min. to Open	Rates
$1,000	0.35% to 1.00% APY	View rates

Service Fees and Charges

Certificates of Deposit (CDs)

Since they offer higher interest rates, you actually earn money while saving with CDs. For short or long term savings goals, it just makes sense.

Open an Account

Certificates of Deposit

From 90 days to 5 years, our traditional CDs offer a lot of choices.

Term Lengths	Min to Open	Rates
3–60 months	$500	0.20% to 0.75% APY Range	View rates

Variable Rate Add-On CDs

Allows you to "Add-On" at any time, with variable rates to help keep current.

Term Lengths	Min to Open	Rate
24 months	$500	0.40% APY	View rates

Service Fees and Charges

Save to Win CD

Save your money and be entered in monthly and quarterly prize drawings every time you deposit $25.

Save to Win CD—Every $25 deposited gets you an entry for monthly drawings from $25 and quarterly drawings from $100–$5,000.*

Term Lengths	Min. to Open	Rate
12 months	$25	0.30% APY	View rates and Official Rules

*One (1) entry for every $25 increase in the monthly balance for the member in a Qualifying Certificate Account at month's end, with a maximum of ten (10) entries per month, per member.

How It Works:

Members must be 18 or older and a resident of Save to Win participating states.
Minimum opening deposit and minimum balance is $25.
Every $25 deposited counts as an entry for the monthly and quarterly drawings. This can be cumulative and doesn't need to be deposited in exact $25 increments.
You can deposit as many times as you'd like each month or all at once, but you can only earn 10 drawing entries per month, per member.
You can make a maximum of one (1) withdrawal during the 12-month period; this will have a $25 fee. Amount withdrawn will affect your entries for the month.
Any money you win from the prize drawings is yours and will be diUnion Chequers Bankursed into your primary savings account. It may be subject to tax reporting. Fees may reduce earnings on the account.
Odds of winning depend on number of entries received. Sponsor: Union Chequers Bank, PO Box 10607, Rocky Mount, NC 27804, USA.

Call +1 (757) 859-9933 or visit a local branch to open a Save to Win account today.

Service Fees and Charges

Individual Retirement Accounts (IRAs)

Individual Retirement Accounts help you build a bigger nest egg with higher interest rates and tax advantages. Start saving now for a sweeter future.

IRA Savings

Save with the tax benefits* of an IRA.

Min to Open	Rate
$250	Up to 0.10% APY	View rates

Super Investor's IRA Money Market

The benefits of liquidity with the added tax advantages of an IRA.*

Min to Open	Rate
$2,500	0.15% to 0.55% APY	View rates

IRA (Traditional & Roth) CDs

The benefits of liquidity with the added tax advantages of an IRA.*

Min to Open	Term Lengths
$500	3 months to 60 months	View rates

IRA (Traditional & Roth) Variable Rate Add-On CDs

The benefits of liquidity with the added tax advantages of an IRA.*

Min to Open	Term Lengths
$500	24 months	View rates

* Consult a tax professional about the benefits of an IRA.

Call +1 (757) 859-9933 or visit a local branch to open an IRA today.

Service Fees and Charges

Youth Banking

Set up the next generation with youth accounts, including savings and checking.

Open an Account

Youth Share Savings

Open with a minimum deposit of just $1. Once a child has a Youth Savings Account, he or she can choose to participate in our Sprout Savings program™ . (0–17 years)

Balance	Rates
$0.01 to $99.99	0.000% interest rate	0.00% APY	View rates
$100+	0.050% Interest Rate	0.05% APY	View rates

Youth Premier Checking

Available for 13- to 17-year-olds with a parent/guardian co-signer.

Qualifications	Rates
Qualifications Met*	0.499% Interest Rate	0.50% APY	View rates
Qualifications Not Met*	0.000% Interest Rate	0.00% APY	View rates

*To meet the qualifications to earn interest on the Premier Checking Account, you must meet all monthly qualifications: 1) Ten (10) settled debit card transactions; 2) Active enrollment in eStatements. APY or Annual Percentage Yield of 1.00% is limited to the first $100,000.

Youth Certificates of Deposit (CD)

Open with as little as $100, with unlimited additional deposits for the lifetime of the CD. (0–17 years)

Term Lengths	Balance	Rates
12 months	$100+	0.399% Interest Rate	0.40% APY	View Rates

Service Fees and Charges

Control your debit card from your smartphone.

Turn your card on/off and set alerts and spending limits!

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Account	Qualifying Loan*	Interest Rate	Annual Percentage Yield
Level Up Premier Savings	1 qualifying loan	0.250%	0.25%
	2 qualifying loans	0.499%	0.50%
	3 qualifying loans	0.995%	1.00%
	4 qualifying loans	1.490%	1.50%
	5 qualifying loans	1.982%	2.00%
	No qualifying loans	0.050%	0.05%

Certificate Option	Balance	Interest Rate	Annual Percentage Yield
3-month CD	$500+	0.200%	0.20%
6-month CD	$500+	0.250%	0.25%
12-month CD	$500+	0.399%	0.40%
18-month CD	$500+	0.449%	0.45%
24-month CD	$500+	0.499%	0.50%
36-month CD	$500+	0.598%	0.60%
48-month CD	$500+	0.698%	0.70%
60-month CD	$500+	0.747%	0.75%

CD Option	Minimum Balance	Interest Rate	Annual Percentage Yield
Bump-Up CD (25 month)	$500+	0.598%	0.60%
Bump-Up CD (37 month)	$500+	1.094%	1.10%
Bump-Up CD (49 month)	$500+	1.342%	1.35%
Bump-Up CD (61 month)	$500+	1.588%	1.60%

Account	Balance	Interest Rate	Annual Percentage Yield
Super Investor's Money Market Account	$1,000 to $4,999.99	0.100%	0.10%
	$5,000 to $9,999.99	0.100%	0.10%
	$10,000 to $24,999.99	0.150%	0.15%
	$25,000 to $49,999.99	0.200%	0.20%
	$50,000 to $99,999.99	0.250%	0.25%
	$100,000 to $249,999.99	0.300%	0.30%
	$250,000+	0.499%	0.50%
Super Investor's IRA Account	$1,000 to $4,999.99	0.150%	0.15%
	$5,000 to $9,999.99	0.150%	0.15%
	$10,000 to $24,999.99	0.200%	0.20%
	$25,000 to $49,999.99	0.250%	0.25%
	$50,000 to $99,999.99	0.300%	0.30%
	$100,000 to $249,999.99	0.349%	0.35%
	$250,000+	0.549%	0.55%
Executive Money Market Account & Executive IRA Money Market Account	$1,000 - $4,999.99	0.349%	0.35%
	$5,000 - $9,999.99	0.349%	0.35%
	$10,000 - $24,999.99	0.399%	0.40%
	$25,000 - $49,999.99	0.449%	0.45%
	$50,000 - $99,999.99	0.499%	0.50%
	$100,000 - $249,999.99	0.797%	0.80%
	$250,000+	0.995%	1.00%

Account	Balance	Interest Rate	Annual Percentage Yield
IRA 3 month CD	$500+	0.250%	0.25%
IRA 6 month CD	$500+	0.300%	0.30%
IRA 12 month CD	$500+	0.449%	0.45%
IRA 18 month CD	$500+	0.499%	0.50%
IRA 24 month CD	$500+	0.549%	0.55%
IRA 36 month CD	$500+	0.648%	0.65%
IRA 48 month CD	$500+	0.747%	0.75%
IRA 60 month CD	$500+	0.797%	0.80%

Account	Balance	Interest Rate	Annual Percentage Yield
Regular Share Youth Share Tomorrow Share Pledged Share	$0 to $99.99	0.000%	0.00%
Regular Share Youth Share Tomorrow Share Pledged Share	$100+	0.050%	0.05%
No Dividend Shares	$0.01+	0.000%	0.00%
IRA Savings - Traditional & Roth	$0.01+	0.000%	0.10%

Account	Balance	Interest Rate	Annual Percentage Yield
Premier Checking and Premier Service Checking	Qualification met*	0.499%	0.50%
Premier Checking and Premier Service Checking	Qualification not met*	0.000%	0.00%
Premier Passage Checking	$0+	0.000%	0.00%
Executive Checking	$0.01 - $999.99	0.499%	0.50%
	$1,000 - $4,999.99	0.499%	0.50%
	$5,000 - $9,999.99	0.499%	0.50%
	$10,000 - $24,999.99	0.747%	0.75%
	$25,000+	0.747%	0.75%

CD Option	Interest Rate	Annual Percentage Rate
25 Month IRA Bump-Up CD	0.598%	0.60%
37 Month IRA Bump-Up CD	1.094%	1.10%
49 Month IRA Bump-Up CD	1.342%	1.35%
61 Month IRA Bump-up CD	1.588%	1.60%

Personal Checking Monthly Fees
Premier Checking	Free
Premier Service Checking	$4.00
Essential Checking (with eStatements)	$8.00
Essential Checking (if not signed up for eStatements)	$9.00

Related Checking Fees (personal or business)
Stop payment, per item, per range or sequence	$28.00
Paid or returned overdraft (NSF) fee, per item (check, ACH, or Bill Pay)	$28.00
Overdraft transfer fee, per occurrence	$3.00

Automated Teller Machines (ATM)*
Withdrawal/inquiry at non-CO-OP network ATM	$1.50
New card issuance and anniversary date thereafter	$10.00

Credit/Debit Cards
Copies of charge slips (per transaction)	$10.00
Replace card	$5.00
Emergency card issuance	$50.00

Wire Transfers
Direct wire transfers inside the USA	$25.00
Direct wire transfers outside the USA	$55.00

Miscellaneous
Membership fee	$10.00
Paper State service charge	$2.00/each
Closing checking or savings within 180 days of opening account	$15.00
Inactive checking (no activity has occurred on a checking account for 90 days with a balance of less than $1,000)	$5.00 per month
Dormant account fee (no activity on any of your accounts for more than one year)	$5.00 per month
Single service fee (member only has savings account with less than $100 and is age 19 or older)	$5.00 per month
Undeliverable or incorrect statement address	$5.00
Foreign item fee	$25.00
Garnishment processing fee (per item)	$50.00
Research, copies, or account reconciliation, per half hour ($5 minimum)	$15.00
Returned checks on another person's account at another institution	$10.00
Returned checks on your account at another institution	$25.00
Phone loan payment using non-Union Chequers Bank card	$10.00
Expedited title fee	$15.00
Cashier's checks (first check per day is free)	$2.00 per check
Declaration of loss (cashier's check)	$25.00
Check cashing (member only has savings account with less than $100 and is age 19 or older)	10% of check or $10 maximum
Skip payment request (via eBanking)	$30.00
Skip payment request (via branch)	$40.00

Save & Spend

The Premier service knows how to save for a rainy day.

Keep more than your money safe with Premier Service Checking.

Get to Know Our Options for Saving & Spending Wisely

Regular Savings

Tomorrow Savings

IRA Savings

Level Up Premier Savings

Premier Checking™

Premier Service™ Checking

Executive Checking

Premier Passage Checking

Super Investor's Money Market Account

Super Investor's IRA Money Market

Executive Money Market Account

Certificates of Deposit

Variable Rate Add-On CDs

Call +1 (757) 859-9933 or visit a local branch to open a Save to Win account today.

IRA Savings

Super Investor's IRA Money Market

IRA (Traditional & Roth) CDs

IRA (Traditional & Roth) Variable Rate Add-On CDs

Youth Share Savings

Youth Premier Checking

Youth Certificates of Deposit (CD)

Control your debit card from your smartphone.

Turn your card on/off and set alerts and spending limits!