# Union State Bank Ultimate Checking: 4.07% APY

Canonical: https://dealaka.com/offers/union-state-bank-ultimate-checking-rate

- Status: Limited reports
- Bonus: 4.07% APY
- APY: 4.07% (ongoing APY, qualified balances up to $15,000)
- Requirement: $25 opening deposit, qualifications required
- Expires: no published end date
- Availability: Nationwide
- Institution: Union State Bank
- Verified: Aug 2, 2026 against usbwestsalem.com
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the Ultimate Checking.
2. Complete the requirement: $25 opening deposit, qualifications required.

## 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

## Sources
- usbwestsalem.com rate page <https://www.usbwestsalem.com/personal/account-services/checking> (checked Aug 2, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._