Compare Checking Accounts

It pays to make sure you have that you have the right checking account that fits your style.

To make sure you have the right account for you, you can compare our checking accounts in the chart below.

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Checking Account Comparison

	uPIC Points	uPIC Interest	uPIC Cash Back	Basic	Basic Plus
Open an Account Online	Open a uPIC Points Account	*Open a uPIC* *Interest* *Account*	Open a uPIC Cash Back Account	Open a Basic Account	Open a Basic Plus Account
Minimum Deposit to Open	$0 ($1 if opened online)	$0 ($1 if opened online)	$0 ($1 if opened online)	$500	$10,000
Minimum Daily Balance to Keep Open	$0	$0	$0	$0	$0
Monthly Service Fee	no	no	no	$6 (waived with a minimum daily balance of $500 for the monthly statement cycle)	$12 (waived with a minimum daily balance of $10,000 for the monthly statement cycle)
Interest Bearing	no	yes	no	no	yes⁽¹⁾
Free Debit Card	yes ($15 replacement card fee)	yes ($15 replacement card fee)	yes ($15 replacement card fee)	yes ($15 replacement card fee)	yes ($15 replacement card fee)
Free Internet Banking and Mobile App	yes⁽²⁾	yes⁽²⁾	yes⁽²⁾	yes⁽²⁾	yes⁽²⁾
Free eDeposit and eBill Pay	yes	yes	yes	yes	yes
Free eStatements	yes ($3 fee per paper statement)	yes ($3 fee per paper statement)	yes ($3 fee per paper statement)	yes (paper statements are also free)	yes (paper statements are also free)
ATM Surcharge Fee Refunds	yes⁽³⁾	yes⁽⁴⁾	yes⁽³⁾	no	no

⁽¹⁾ Interest earned based on daily collected balances of $10,000 and over.

⁽²⁾ Data and messaging rates may apply.

⁽³⁾ ATM Surcharge Fee Refunds:

- 22 years of age or younger - $10 maximum per monthly statement cycle.

- 23 years of age or older - $10 maximum per monthly statement cycle. Refund requires at least 15 debit card POS purchases to post and settle during the monthly statement cycle.

- Refunds do not apply to withdrawals at foreign ATMs.
⁽⁴⁾ Refunds of U.S. ATM surcharge fees will be made up to $10 per monthly statement cycle if at least 15 debit card POS purchases post and settle during the cycle.