Personal Checking Accounts

Flexible. Convenient. Right for you. We’ve made choosing the right checking account simple. We are here to help you make the most of your time and money.

All of our checking accounts include free online banking, bill payment, our convenient mobile banking app with mobile deposit, free text and email account alerts, free eStatements, and direct deposit. Add a free Visa® Debit Card with Card Management to make accessing your funds and making purchases a breeze.

Each account is eligible for direct deposit and optional overdraft protection to provide you with peace of mind. Get Started by stopping by our office or you can complete and submit our online deposit application.

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	Freedom Checking No minimum balance and no monthly service fees	Republic Checking This exclusive account pays you back	UR Time Checking Designed exclusively for customers “50 or better”	Rewards Checking Reward URself with this account
Minimum to Open	$0.00	$1,000.00	$50.00	$50.00
Minimum Balance to Avoid Monthly Service Charge	N/A	$1,000.00	$50.00	NA
Service Charge	N/A	$10.00 if balance falls below minimum	$5.00 if balance falls below minimum	NA
Interest	None	None	Tiered based on balance: $0-$5,000 Above $5,000 with monthly direct deposit, and 10 debit transactions	Tiered based on balance: $0-$20,000 Above $20,000 with monthly direct deposit, 20 debit card transactions and E-statements
ATM Fees	Unlimited free transactions at URB & Money Pass ATMs. 2 free foreign ATM transactions, including refund of surcharges, with a monthly direct deposit. $2.00 for each foreign ATM transaction thereafter.	Unlimited free ATM transactions worldwide, including refund of surcharges. Currency conversion fees may apply.	Unlimited free transactions at URB & Money Pass ATMs. 5 free foreign ATM transactions, including refund of surcharges, with a monthly direct deposit and 10 debit transactions. $2.00 for each foreign ATM transaction thereafter.	Unlimited free transactions at URB & Money Pass ATMs. 2 free foreign ATM transactions, including refund of surcharges. $2.00 for each foreign ATM transaction thereafter.
Free Checks	No	Yes	Yes	No
Overdraft Transfer	$5.00 per transfer	$5.00 per transfer	$5.00 per transfer	$5.00 per transfer
Rebates	No	Yes¹	No	No

¹Customers receive a $0.10 credit to their account for every VISA debit card merchant transaction, up to a maximum of $5.00 per month.

We make it easy to get started banking at United Republic Bank. You can visit our office in Elkhorn or get started with the links below.

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Personal Checking Accounts

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