Union State Bank's Ultimate Checking pays 4.07% APY on daily balances up to $15,000 when you meet monthly qualifications: one direct deposit, 10 debit card purchases, one online banking login, and eStatements enrollment. Balances over $15,000 earn 0.10% APY. If qualifications are not met, the entire balance earns 0.10% APY.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the Union State Bank Ultimate Checking rate
- Apply through the offer page to open the Ultimate Checking.
- Complete the requirement: $25 opening deposit, qualifications required.
The fine print that matters
- 4.07% APY will be paid on the entire daily balance up to $15,000
- Earn an interest rate of 0.10% on the portion of the daily balance over $15,000
- If qualifications are not met, 0.10% APY will be paid on the entire daily balance
- Interest is compounded and credited monthly
- Rates effective July 1, 2026
- $5.00 paper statement fee will apply each month if you do not accept eStatements
Verification and reports
Confirmed against usbwestsalem.com on Aug 2, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: usbwestsalem.com rate page (checked Aug 2, 2026)
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