{"slug":"union-state-bank-ultimate-checking-rate","category":"bank","institutionSlug":"union-state-bank","product":"Ultimate Checking","title":"Union State Bank Ultimate Checking: 4.07% APY","bonus":"4.07% APY","unit":"cash","amount":0,"reqShort":"$25 opening deposit, qualifications required","expiresOn":null,"status":"live","verifiedOn":"2026-08-02","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"Interest is compounded and credited monthly","applyDomain":"usbwestsalem.com","applyUrl":"https://www.usbwestsalem.com/personal/account-services/checking","summary":"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.","reqSteps":[],"finePrint":["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"],"apy":407,"apyTerm":"ongoing APY, qualified balances up to $15,000","listedOn":"2026-08-02","listedAt":"2026-08-02T13:18:03.090Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"usbwestsalem.com rate page","url":"https://www.usbwestsalem.com/personal/account-services/checking","checkedOn":"2026-08-02"}],"needsVerification":false}