Union State Bank - Community Banking in Alabama, Florida

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Banking gets personal.

Switch Kit

We have made switching banks easy.

Personal Checking

Totally Free Checking

A FREE account for everyone!

No minimum balance
No monthly service charge
No per check charge
Unlimited check writing

VIP Free Interest Checking

FREE checking with the convenience of direct deposit or an automatic payment!

Competitive interest
No minimum balance
No monthly service charge
No per check charge
Unlimited check writing

50+ Free Interest Checking

FREE for customers 50 and over!

Competitive interest
No minimum balance
No monthly service charge
No per check charge
Unlimited check writing

Premium Interest Checking

An account for those interested in higher interest!

Higher interest rates with balances of $1,500 or more
Competitive interest if balance falls below $1,500
No per check charge
Unlimited check writing
Only $8 monthly charge if minimum balance falls below $1,000

Every new personal checking account includes:

Unlimited FREE ATM transactions at UnionState Bank ATMs
Three FREE ATM transactions per month at any ATM
FREE Debit MasterCard®
FREE Online Banking and Bill Pay
FREE return of check images for easy record keeping
FREE E-Statements available
FREE easy-to-balance monthly statement
FREE gift
FREE money for your old checks and debit cards

UnionState Products & Services

UnionState's wide range of services can make banking easier, and more convenient, than ever. See why UnionState is the smart choice for help in meeting your financial goals.

Equity @ Work! Home Equity With Us. 5.00% APR

Higher Education, Vacations to far-away places, Home-Improvements, Family Weddings, the funds to accomplish your dreams and needs, can be found in the equity in your home.

Rate: is determined by a margin of wall street prime; to be determined by credit factors. Term: 10 years. Repayment: both 1.5% of outstanding balance per month and interest only are offered. Late fee: 5% of payment or $100 whichever is less. Annual Fee: $50.00, due on first anniversary date. Advances: minimum $250. Closing Costs: USB will pay if $10,000 is drawn and maintained for at least 12 months. The line must remain open for 24 months. Interest ceiling: 18% maximum. Interest Floor: 5% Checks: Complimentary equity line checks. LTV: up to 85%. Appraisal: Certified appraisal required by an appraiser on UnionState's approved list. Rates subject to credit approval. Rates subject to change at Lender discretion.

The USA Patriot Act requires that we obtain certain identifying information on new customers who open an account.

If we consent to a request that is otherwise not permitted you may be subject to an early withdrawal penalty. Please refer to account disclosures for a list of charges and fees that may be assessed to your account. All accounts and fees are subject to change.

Offer good on personal accounts only; business & corporate accounts do not qualify for these plans. Bank rules and regulations apply. Just bring in your receipts, and we'll reverse ATM network fees and other providers' surcharge fees; up to three per month. We reserve the right to substitute an item of similar value. For interest bearing accounts, the value of the promotional gift will be reported to the IRS on form 1099-int. Bring in your debit card and unused checks from your current account at another financial institution when opening any new account. We'll buy them back from you for up to $25

Products offered through SAL Financial Services, Inc. and/or UnionState Insurance Agency, Inc. are not insured by the FDIC, are not deposits of any bank and may involve investment risks including possible loss of principal.

Union State Bank is participating in the FDIC's Transaction Account Guarantee Program.

Member FDIC