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Special Values

Read about our remote account opening policy.

At Urban Trust Bank, we take pride in providing excellent value on all of our products, evey day. We'd like to draw your attention to the following special values:

1. EARN 1.50% APY ON A 13 MONTH CD FROM URBAN TRUST BANK*

The perfect place to stash your cash during this economic roller coaster. Learn More.

2. ACCESS YOUR CASH FOR FREE AT 37,000 ATM's NATIONWIDE

Urban Trust Bank® has partnered with AllPoint, America’s largest surcharge free ATM network, to provide our customers with surcharge free transactions at 37,000 convenient locations nationwide. Find an ATM.

3. THINK YOU CAN'T GET A CHECKING ACCOUNT? YES YOU CAN!**

Introducing Opportunity Checking from Urban Trust Bank. A second chance checking account for anyone turned away by those other banks. Powerful features, low fees, instant approval if you qualify.

• Unlimited check writing privileges

• No minimum balance requirement

• Free, unlimited ATM transactions at Urban Trust Bank ATMs

• $10 monthly service fee

• Open account with low $25 deposit

* Annual percentage yield. Rates and APY are subject to change without notice. The APY is as of June 28, 2010. This account requires a minimum opening deposit of $5,000 in new money. An Urban Trust checking account with direct deposit is required. Substantial penalty for early withdrawl. Fees may reduce earnings.
** You must qualify to open an Opportunity Checking account. Certain terms and conditions apply.

Our Account Opening Policy

Urban Trust Bank is a community oriented bank, focused on providing banking services to the families in our communities. As a result, our current policy requires customers to personally open accounts in one of our Florida or Maryland branch locations.

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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