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Our Checking Accounts

For most families, a good checking account provides an important financial foundation. When you bank with Urban Trust Bank you can choose from several powerful, versatile checking accounts, whether you prefer to keep low balances or want to earn interest with maximum accessibility.

Together with our personal service, our checking accounts give you unlimited check writing privileges, Visa^® debit or ATM card, and free online banking and bill payment. To us, making the decision to open a checking account with Urban Trust Bank is the smartest thing you can do for your money!

So, take a closer look at our checking accounts to find the one that’s right for your life. To open an account, please visit one of our convenient branch locations.

URBAN SELECT CHECKING

Our top-of-the-line checking account features:

• Competitive interest rate on balances over $1,000

• Free, unlimited ATM transactions at any Urban Trust Bank ATM

• 37,000 surcharge free ATM's available

• Tiered rate structure to reward our high-balance customers

• Debit or ATM card available. (Please review debit card terms and conditions).**

• $15 monthly fee waived for balances over $1,000

• Low $100 deposit required to open account

• Electronic Statements are available

• Please review our current interest rates

FREE CHECKING

Our powerful free checking account includes:

• No monthly service charge

• No minimum balance requirement

• Unlimited check-writing privileges

• Debit or ATM card available. (Please review debit card terms and conditions).**

• Free, unlimited ATM transactions at any Urban Trust Bank ATM

• 37,000 surcharge free ATM's available

• Electronic Statements are available

• Only $50 deposit required to open account

OPPORTUNITY CHECKING

This second chance checking account can provide a fresh start for customers who have had challenges in the past, featuring:

• Unlimited check writing privileges

• No minimum balance requirement

• Free, unlimited ATM transactions at any Urban Trust Bank ATM

• 37,000 surcharge free ATM's available

• Debit or ATM card available. (Please review debit card terms and conditions).**

• $10 monthly service fee

• Electronic Statements are available

• Open account with low $25 deposit

* Terms and Conditions subject to change at any time without notice.

** Adobe Acrobat Reader is required to view this information. This program is available at no cost.

Buy a house with a 3.5% down payment*

We offer mortgages with 3.5% down payment, flexible credit options and excellent interest rates. Contact our team today.

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Find a surcharge FREE ATM

Access your cash at 37,000 surcharge free ATM's across the country. Learn More and Locate an ATM.

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* We offer home mortgages with a down payment as low as 3.5% through a Federal Housing Administration (FHA) loan program. An example of such a loan is as follows: To purchase a $200,000 home, we would finance 96.5% or $191,437.43. Your down payment would be $7,000. To repay the principle and interest due on this loan, you would need to make 359 payments of $1,084.40 and 1 payment of $1,085.29. Payments do not include taxes and insurance and the actual payment will be higher. The interest rate associated with this example loan is 5.25% and is fixed for the entire term of the loan. The actual rate you will receive depends on a number of factors, including your credit and the interest rate environment at the time you lock your rate. The corresponding Annual Percentage Rate (APR) in this example is 5.829% and includes costs associated with closing. The total amount of interest paid over the life of the loan is $209,124.79. These terms are available for a purchase or refinance on your primary residence. APR and terms subject to change without notice. All loans are subject to credit approvals. Other restrictions may apply. Please contact a Mortgage Banker for additional details.

(1) We offer free ATM transactions on our consumer accounts excluding Opportunity Checking and The Urban Trust Success Card

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