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1-2-3 Rewards Checking

You use it every day.
Why not earn up to 3.05%APY 1?

Your checking account is essential- it's how you pay for groceries, where your paycheck is direct deposited, and how your electronic bills are paid each month. You need it. So what is stopping you from earning rewards for using it?

Simply complete the following transactions each month and be rewarded with a premium interest rate1. Its as easy as 1-2-3!
  1. 1. Receive $1,000 or more via direct deposit

  2. 2. Set-up one electronic debit such as an ACH debit (i.e. a Bill Pay or a monthly bill that is    automatically debited)

  3. 3. Use your UB debit card for at least 15 purchases that are $15 or higher

Enroll Now  Interest Rates   Open an Account


1$0.01 daily minimum balance required to earn 0.05% Annual Percentage Yield (APY). $1,000 daily minimum balance required to earn 1.51%APY. $15,000 daily minimum balance required to earn 3.05%APY. Balances over $25,000 will earn 3.05% to 1.54%APY, depending on the balance. 1.54%APY assumes a daily balance of $50,000.  If transaction requirements are not met, the account will earn the standard interest rate of 0.03% APY.  2 Qualifying transactions must post and clear the account during the monthly qualification cycle which may take one or more business days to clear from the date the transaction is made. Qualification cycle means a period beginning the first day of the current statement cycle through the last business day of the current statement cycle. Rates are subject to change. $100 initial deposit required to open account. Deposit account fees could reduce earnings. Some requirements apply.