Checking Accounts
Regular Checking
- Minimum Open Deposit of $200
- If the daily balance of the account falls below $600.00 any day of the statement cycle, the monthly maintenance fee of $7.00 will be imposed every statement cycle.
- Unlimited withdrawals/checks
- Unlimited Deposits can be made
- Detailed statement with check images
- Free Telephone Banking
- ATM/Debit Card
- Free Online Banking with Bill Pay
Premier Checking
- Minimum Open Deposit of $200
- Potential annual savings of $991.00 through member value discounts. More details available at your local branch.
- Please visit www.memberbenefitpackage.com for member benefits
- No minimum balance. Monthly club fee of $7.00.
- Unlimited withdrawals/checks
- Free personalized checks. Limit restrictions apply.
- Free cashier’s checks. Limit restrictions apply.
- Unlimited Deposits can be made
- Detailed statement with check images
- Free Telephone Banking
- ATM/Debit Card
- Free Online Banking with Bill Pay
Senior Citizen Checking
- Eligibility: Must be 65 years of age or older
- Minimum Open Deposit of $200
- No monthly Service Charge
- Unlimited withdrawals/checks
- Unlimited Deposits can be made
- Detailed statement with check images
- Free Telephone Banking
- ATM/Debit Card
- Free Online Banking with Bill Pay
Now Account
- Minimum Open Deposit of $1,000
- The Interest rate and Annual Percentage Yield for your account may change at any time
- Interest will be compounded and credited monthly
- A maintenance fee of $8.00 will be imposed every month if the average daily balance for the month falls below $1,000.00
- You must maintain a minimum average daily balance of $1,000.00 in the account each day to obtain the annual percentage yield disclosed above
- Unlimited withdrawals/checks
- Unlimited Deposits can be made
Super NOW
- Minimum Open Deposit of $2,500
- The Interest rate and Annual Percentage Yield for your account may change at any time
- Interest will be compounded and credited monthly, if you close your account before interest is credited, you will not receive the accrued interest
- A maintenance fee of $6.00 will be imposed every month if the daily balance falls below $2,500.00 any day of the month
- You must maintain a minimum average daily balance of $2,500.00 in the account each day to obtain the annual percentage yield disclosed above
- Unlimited withdrawals/checks
- Unlimited Deposits can be made
Money Market
- Minimum Open Deposit of $1,000
- The Interest rate and Annual Percentage Yield for your account may change at any time
- Interest will be compounded and credited monthly
- A maintenance fee of $8.00 will be imposed every month if the daily balance falls below $1,000.00 any day of the month
- You must maintain a minimum average daily balance of $1,000.00 in the account each day to obtain the annual percentage yield disclosed
- With the exception of loan payments to us, you may not make more than six (6) pre-authorized, automatic, or telephone transfers (including telephone banking and bill pay, internet banking and bill pay, and Internet banking payments and transfers) each month. Of these six (6) allowable transfers, no more than three (3) may be made by check, draft, debit card, check card or similar order made by the depositor and payable to a third party (provided such transactions are allowed by us for your particular type of account).
- Unlimited Deposits can be made
- Excess Debit Fee: you will be charged $8.00 per debit/withdrawal if you exceed the withdrawal limitations on the account
Commercial Checking
- Minimum Open Deposit of $500
- A monthly maintenance fee of $6.00 will be charged, and a $0.20 fee will be charged for each debit
- Earnings Credit: This account features an earnings credit which is applied to reduce or eliminate fees on the account. If the earnings credit exceeds the fees for any period, you will be assessed no fees but you will not be paid, carry forward, or otherwise receive credit for any excess earnings credit. The earnings credit will be calculated by applying the periodic earnings credit rate to the minimum balance in the account for the period. Currently, the periodic earnings credit rate for your account is 0.2%. At any time and at our discretion, the periodic earnings credit rate may change. The period we use is the monthly statement cycle. You do not need to maintain any minimum average daily balance during the monthly statement cycle in order to receive the credit.
- Unlimited Deposits can be made
- Detailed statement with check images
- Free Telephone Banking
- ATM/Debit Card
- Free Online Banking with Bill Pay
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Unity Bank of Mississippi is committed to giving our customers an advanced banking experience without losing our community touch. We are here for you every step of your financial journey.