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Personal Checking 

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Simple and affordable with easy fee waivers and essential perks

Monthly Service Fee $3.00
Interest Bearing NO
Minimum Opening Deposit $50.00
Minimum Daily Balance $1.00

Monthly Service Fee Waiver Qualifiers

(1 or more below to qualify)
 
  • Direct Deposit of $1,000 or more in a Statement Cycle; OR
  • 12 Point of Sale (POS) Transactions with Unity Bank Debit Card; OR
  • $50 or More Transfer to Unity Bank Savings Account in a Statement Cycle
  • Students (Age <=24), Seniors 65+, & First Responders Receive No Monthly Service Fee

Additional Account Perks

  • ATM Fees Waived for Students (Up to $20 per statement cycle)
  • $5.00 Paper Statement Fee Waived with eStatement Enrollment

$300 Cash Bonus Offer

Offer valid beginning April 14th, 2025. Offer can be withdrawn at any time. Applicable for consumer accounts only. This offer is only available to customers who currently do not maintain a checking account relationship with Unity Bank. To qualify for a $300.00 cash bonus, you are required to conduct at least four (4) Direct Deposits of at least $1,500 to your new account within 180 days of opening. Direct Deposit must be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. The bonus will be deposited within fourteen days (14) of meeting the promotion requirements. Your checking account must remain in an open status in order to receive the bonus. May be IRS reportable. Unity Bank reserves the right to limit an individual to one account-related gift incentive per rolling 12-month period across all deposit account relationships.

EVERYDAY CHECKING PROMO CODE: 1144

 

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Earn cash back on everyday purchases with added perks

Monthly Service Fee $20.00
Interest Bearing NO
Minimum Opening Deposit $100.00
Minimum Daily Balance $1.00

Monthly Service Fee Waiver Qualifiers

REQUIRED: 12 Point of Sale (POS) Transactions with Unity Bank Debit Card AND 1 or more below to qualify:
 
  • Direct Deposit of $1,000 or more in a Statement Cycle; OR
  • Online Banking Automatic Transfer (any amount) to a Unity Bank Savings Account (per statement cycle); OR
  • Combined daily balance of $25k or more in a Unity Bank Savings/MMDA/CD

Additional Account Perks

  • Earn 1% Cash Back (up to $10) on Purchases per Statement Cycle
  • $5.00 Paper Statement Fee Waived with eStatement Enrollment
  • First Order of Basic Checks is Free

$400 Cash Bonus Offer

Offer valid beginning April 14th, 2025. Offer can be withdrawn at any time. Applicable for consumer accounts only. This offer is only available to customers who currently do not maintain a checking account relationship with Unity Bank. To qualify for a $400.00 cash bonus, you are required to conduct at least four (4) Direct Deposits of at least $2,500 to your new account within 180 days of opening. Direct Deposit must be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government. The bonus will be deposited within fourteen days (14) of meeting the promotion requirements. Your checking account must remain in an open status in order to receive the bonus. May be IRS reportable. Unity Bank reserves the right to limit an individual to one account-related gift incentive per rolling 12-month period across all deposit account relationships.

REWARDS CHECKING PROMO CODE: 1145

 

Premier Checking

Maximize Checking earnings with exclusive benefits & interest for high balances

Monthly Service Fee $30.00
Interest Bearing YES
Minimum Opening Deposit $1,000.00
Minimum Daily Balance $1.00

Monthly Service Fee Waiver Qualifiers

(1 or more below to qualify)
 
  • Maintain Balance of $25,000 in Premier Checking Account; OR
  • Combined Daily Balance of $200k or more in a Unity Bank Savings/MMDA/CD

Additional Account Perks

  • $5.00 Paper Statement Fee Waived for Seniors 65+ with $75k in Total Balances
  • Earn Interest of .02% APY* on Unqualified Balances**
  • Earn Additional Interest with Additional Qualifiers:
  1. 15 POS Transactions using a Unity Bank Debit Card
  2. Direct Deposit Totaling $2,500.00 or more in a statement cycle
  3. Combined Daily Balance of $250k+ in a Unity Bank Savings/MMDA/CD
  4. Make 2 Bill Payments through Online Banking in a Statement Cycle
# of Qualifiers APY* Balance
3 2.00% up to $25,000.00
4 3.00% up to $25,000.00
*APY = Annual Precentage Yield

**Unqualified Balances = balances that do not meet the "Additional Qualifiers" criteria.