Personal Savings Accounts

Grow your balance over time — starting with a cash bonus

UBT offers a range of interest-earning savings options to fit your needs and timeline. Open an account online in less than five minutes, from start to finish!

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  Minimum opening deposit Monthly fee Age requirement Earns interest; see current rates Six free debit transactions per calendar month
Simply Savings N/A $3; waived with a $100 average balance N/A
$5 fee for each additional
Simply Savings Student N/A N/A Ages 25 and under

$5 fee for each additional

Value Edge Money Market $10,000 N/A N/A
$25 fee for each additional 


Youth checking account

Opening an account with or for someone aged 14–17? Start here.


Start saving for tomorrow’s healthcare expenses today

Our health savings accounts offer a triple tax advantage — and room to grow.

Your Money Has People

Real people who really care

Our people take pride in going the extra mile to help our customers, so you can relax knowing we have your best interests in mind. Beyond savings accounts, you’ll find a full range of services to help you grow your wealth — backed by real people, like Lauren.

Relationship Advantage: A premium program for our most invested customers

Fee Relief

With $10,000 in combined personal accounts (HSAs excluded), your debit activity fees and return deposited item fees are waived on your personal checking accounts.

ATM freedom

Enjoy free, unlimited use of all non-Union Bank ATMs as well as Union Bank ATMs.
(Note: This does not waive surcharges some ATM owners may assess.)

It’s automatic

Each month, we automatically check to see if you qualify — you don’t have to sign up. Applies where the primary account holder is the same on the qualifying deposit accounts and checking account.

A sticky note with a pile of receipts beneath it pinned up to a corkboard


An easy way to save

When you use your Union Bank Visa® debit card, we’ll round up the total to the nearest dollar and automatically deposit the difference into your savings account. Over time, this change can really add up! It’s easy and free. Sign up at any UBT location.

Frequently Asked Questions

How can I add someone to an account?

The fastest way to add someone to your account would be to stop into any branch location with them.

How can I remove an owner from an account?

We are not able to remove an account owner; a new account would need to be opened.

How can I close an account?

We require a signature from an account owner to close an account. The fastest and simplest way is to stop into any branch location. 

When do I receive my savings account statements?

Savings account statements are rendered quarterly. If you have a checking account and have elected for combined statements then you will receive a statement monthly.

Why is my account inactive?

A checking or savings account will become inactive after 12 months of no credit or debit activity.

I like to give savings bonds as gifts. Can I still do so?

Yes. You can buy electronic savings bonds as gifts TreasuryDirect. You can hold the bonds in your gift box area in TreasuryDirect until you’re ready to electronically deliver them to the gift recipient. The recipient must have a TreasuryDirect account (or be named on a minor linked account if under 18 years old).

Need More Help?

Contact a banker nearby