Checking Plans

SmartOne Free Checking ¹

Designed for Customers Who	Are looking for a basic package of banking services without maintaining a minimum balance
Benefits / Features	Receive an account coupon in the amount of $8 when you open the account with an opening balance of $1,000 or more2 No direct deposit requirement No monthly service fee No teller access fee No fee to obtain a Visa Check Card Free unlimited check writing Free unlimited UCB ATM access Free unlimited IntelliFone ® 24-hour account access Free Personal Online Banking Free Personal Online Bill Payment
Opening Balance	$25
Minimum Daily Balance To Avoid Account Maintenance Fee	Not Applicable
Monthly Account Maintenance Fee	None
Interest	Not Applicable
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1. Please refer to the SmartOne Free Checking Account in the "Supplemental Terms and Conditions Disclosures" for more details. Balances in these accounts will not be included in the Family Banking Program fee waiver calculation.   2. Coupon is good for one year from the date of issue to be used to offset service charges listed on the coupon that your account incurs. Limited to one coupon per account. For additional details, refer to the Terms and Conditions that are printed on the coupon.

For a complete description of our deposit banking products and services, including information concerning rates, fees, balance computation methods, and compounding and crediting of interest, please contact us for details.

Fee Schedule