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*Subject to credit approval.
**Eligible Accounts: Personal Checking, Savings, Certificates of Deposit (CDs), Money Markets, IRAs, HSAs, and outstanding personal loans. Excludes Secondary Market Mortgages and Credit Cards.
***Shipping Charges apply.
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Balancing school, activities, and life can be challenging. Your checking account shouldn't add to the stress. That's why our student accounts are designed to make banking easy and hassle-free for students in elementary, middle, high school, and beyond.
Customers who are 21 years or younger can enjoy these exclusive benefits:
- No Minimum Balance Requirements
- ATM Fee Refunds: Get up to $5 refunded monthly foreign ATM fees.
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Our Ambassador Club is designed to provide customers 55 years of age or older with exclusive benefits and personalized service.
Check out the reasons why you should join:
- Intrest-bearing checking account with a $1,500 minimum balance or $15,000 cumulative relationship in eligible accounts**
- Refunded Paper Statement Fee
- Free Wallet Checks or $5 of duplicates***
- Special Rates on deposit accounts
A Health Savings Account (HSA) may be an excellent place to start if you're looking for more control over how you pay for healthcare.
A high-deductible health plan generally has a lower monthly cost than traditional health insurance. Still, a higher deductible is the money you pay before your health insurance policy kicks in. You pay less for your insurance but potentially more for your health care until you meet your deductible. To help meet those costs, many people with high deductible healthcare plans direct the money they save in monthly premiums to a particular bank account designed just for medical expenses—an HSA. Contributions are made with pre-tax dollars, so your account grows tax-free.
Unlike a flexible spending account, all the money you set aside in an HSA is yours to keep. The money remains in your account year after year, where it can grow and be spent on future healthcare expenses. You won't pay taxes as long as you spend the money and any earnings on qualified medical expenses defined by the IRS. Contact a Universal Banker for complete account details, fee schedule, contribution limits, and access to your funds.
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