Checking Plans

Student Checking¹

Designed for Customers Who	Are individual students of age 16 and over looking to start managing their finances without maintaining a minimum balance
Benefits / Features	No minimum daily balance requirement No direct deposit requirement No monthly service fee No teller access fee Free Intelli ATM & Check Card which allows unlimited UCB ATM access Free unlimited IntelliFone® 24-hour account access Free Personal Online Banking Free Personal Online Bill Payment
Opening Balance	$100
Minimum Daily Balance to Avoid Account Maintenance Fee	Not Applicable
Monthly Account Maintenance Fee	None
Interest	Not Applicable
Maximum Number of Checks Allowed per Statement Period	5 Checks $0.50 per check charge over 5 checks2
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1. Please refer to the Student Checking Account in the "Supplemental Terms & Conditions Disclosures" for more details. Balances in these accounts will not be included in the Family Banking Program fee waiver calculation. Your Student Checking Account may be reclassified to a SmartOne Free Checking Account or Signature Checking Account when you turn 18 years of age at your request, and/or at the bank's discretion.

2. Any fees and service charges applicable to these accounts are set forth in the "Fee Schedule for Consumer Accounts" applicable to your account.

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