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Personal Checking Services

First United Security Bank provides a variety of checking accounts to match your financial needs and lifestyle. These accounts provide you with detailed records and monthly image statements to help you keep up with expenses and income. Please talk with any of our new accounts representatives about your individual checking needs. We’ll be glad to help you decide which checking plan is best for you and your family.


Reward Checking

You are worth rewarding! You make a difference at First United Security Bank and that is why we are now offering Reward Checking-Powered by BancVue as our newest checking account with no monthly maintenance fee! Our Reward Checking-Powered by BancVue account offers a 2.50% APY* Reward Rate for your balance up to $20,000.00. We want to reward you for many things you are probably already doing each month:

  1. Make at least 12 Check Card purchases during each “qualification period” (post and clear in the qualification period.)**
  2. Have one Direct Deposit or ACH Auto Debit
  3. Enroll and receive statements through online banking – the safest way
  4. Have the primary account holder access online banking at least once per “qualification period”

Please stop by your local branch to find out more about our Reward Checking account or for more information on how FUSB can help you make the most of your money. Click here to view the qualification date calendar.

*When the Reward Checking qualifications are met, the interest rate and corresponding annual percentage yield will be tiered. If your daily balance is $20,000.00 or less, the interest rate paid on the entire balance will be 2.47% with an annual percentage yield of 2.50%. An interest rate of .50% will be paid only for that portion of your daily balance that is greater than $20,000.00. The annual percentage yield for this tier will range from 2.50% to .83% depending on the balance in the account. If you do not meet the requirements per cycle, your account will still function as a "no fee" checking account earning 0.05% APY; however, it will not receive ATM refunds for that time period. Stated APY as of March 30, 2012. We may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required to earn quoted APY. However you must deposit a minimum of $100 to open this account. Available to Personal Accounts only. No monthly service charge. **Unlimited ATM refunds if requirements are met. ATM withdrawals do not count as qualifying debit card transactions for purposes of earning rewards within this account. **"Qualification period" means a period beginning one business day prior to the first day of the current statement period through one business day prior to the close of the statement period. Credit approval required to open a checking account.

 

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Regular Checking

With this basic checking plan, write up to 48 checks per statement cycle with no monthly fee when you maintain a $500 minimum balance in your account. If your balance drops below $500 in any month, a monthly service charge will be assessed for that month.  For the tiered fee structure on balances below $500, please check with a bank representative.  A fee of $0.10 per check will be charged after the first 48 during a statement cycle. A minimum deposit of $100 is required to open this account.

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Advantage Checking

With a minimum opening deposit of $100, enjoy the following banking privileges plus insurance. The monthly base fee is determined by your choice of single or family accidental death insurance.

  • Single plan insurance, $10 per month; family plan insurance, $12 per month
  • No minimum balance requirement
  • Unlimited check-writing privileges
  • Free bank stock wallet style checks or $2 credit on other styles ordered
  • Power Pay - Free online bill payment
  • Net Teller - Free online banking
  • Cashier’s checks and money orders at no charge (limited to 10 monthly in combination)
  • Credit card registration
  • Key tag return
  • Safe deposit box discounts
  • Asset organizer
  • $5,000 identity fraud expense
  • Entertainment® SaversGuide®
  • Hotel, theme park and movie ticket discounts
  • Direct deposit
  • Photocopy service
  • 24-hour ATM convenience
  • 24-hour AccessLine  
  • $500 grocery coupon book
  • Funds for college access program
  • And more

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Budget Checking

This budget-minded account features no minimum balance requirement and a base fee of just $1 per month. A fee of $0.25 is charged on each check paid. Checks are truncated with this account. A $100 deposit is required to open your account.

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Student Checking

For full-time students age 16 or older, this account provides unlimited check-writing privileges and no monthly service charges. A student agreement must be signed by the student when the account is opened and reaffirmed each January. Other fees apply.

  • No minimum balance requirements and no service charges
  • Unlimited check-writing privileges
  • First order bank stock, wallet style checks at no charge
  • Minimum to open $100
  • Parent signature required for students ages 16-19

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Mature Club (for Senior Citizens)

Must be at least 62 years of age and sign an eligibility form. No monthly service charge. Other fees apply. Bank stock, wallet style check at no charge with unlimited check-writing privileges. Minimum balance to open the account: $100.

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Advantage 50

For our most experienced banking customers, those over age 50, we offer a special package of the benefits you want and need most, including:

  • Interest paid on daily collected balances of $1,000 or more
  • No monthly service charges with a minimum balance of $100 per month
  • Unlimited check-writing privileges
  • Free personalized bank stock checks, wallet style only, with unlimited check-writing privileges
  • Power Pay - Free online bill payment
  • Net Teller - Free online banking
  • $2,500 identify fraud expense coverage
  • Common carrier accidental death insurance
  • Key tag return
  • Credit care registration
  • Cashier’s checks and money orders (limit 10 monthly in combination)
  • Safe deposit box discounts
  • Entertainment® SaversGuide®
  • Member travelsource.com
  • Automatic transfers to FUSB savings and loan accounts
  • Theme park and movie ticket discounts
  • 24-hour ATM banking
  • Direct deposit
  • Notary service
  • Bank-by-mail service
  • 24-hour AccessLine

Should your account balance drop below $100, a $7 monthly fee will be charged. A minimum deposit of $100 is required to open this account. Please contact us for current interest rates.

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Advantage 50 Plus

Like our Advantage 50 account, Advantage 50 Plus gives you the same valuable benefits plus the following extras for just a base fee of $4 per month for accidental death insurance membership. A minimum deposit of $100 is required to open this account Please contact us for current interest rates.

  • No minimum balance requirement
  • Interest paid on all collected balances
  • Power Pay - Free online bill payment
  • Net Teller - Free online banking
  • Accidental death insurance
  • Walk-in pharmacy discount card
  • Emergency medical ID card
  • 5% seatbelt coverage
  • Additional $2,500 identity theft expense
  • Cashier’s checks and money orders at no charge (limit 10 monthly in combination)
  • $500 grocery coupon book
  • And more

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First Checking

This account features unlimited check writing privileges and earns a tiered rate of interest that is credited monthly. There are no service charges if you maintain a minimum balance of $1,000. If the balance falls below this requirement, your account is subject to a $10 service fee. There will be no monthly fee if you have a time deposit of $5,000 or more. A deposit of $1,000 is required to open this account. Please contact us for current interest rates.

Rate Tier
$1,000 - $2,499.99 Rate 4
$2,500 - $9,999-99 Rate 3
$10,000 - $24,999.99 Rate 2
$25,000 or more Rate 1

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Money Plus

This account earns tiered rates of interest on collected balances at the current variable market rate. Interest will be credited to the account every month. A fee of $10 is charged on this account should the balance fall below the $1,000 minimum. A maximum of 6 transfers or withdrawals per month are allowed. A $5 fee will be assessed for debits in excess of the authorized number of transactions. A minimum deposit of $1,000 is required to open this account. Please contact us for current interest rates.

Rate Tier
$1,000 - $2,499.99 Rate 4
$2,500 - $9,999-99 Rate 3
$10,000 - $24,999.99 Rate 2
$25,000 or more Rate 1

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Switch Kit

We’ve made switching to First United Security Bank simple. Our easy to use Switch Kit allows you to move your direct deposits and transfer any automatic payments and debits to First United Security Bank without a hassle.

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