Business Checking

All our checking plans offer FREE online banking, FREE online bill payment, and FREE online statements.

When you open a checking account with US and sign up for our zero liability Debit Mastercard, our membership in the Allpoint network gives you access to over 55,000 Surcharge-Free1 ATMs worldwide! Find an Ulster Savings or Allpoint network ATM near you.

Free Business Checking2

A FREE account designed for businesses with moderate transaction volume.

  • $50 minimum to open account
  • Online Statements available

Free Non-Profit Checking2

As a local community bank with deep roots in the Hudson Valley, we understand the financial challenges that local non-profits face on a daily basis. With that understanding in mind, we’ve got a FREE account specifically designed for Non-Profits.

  • Earn INTEREST on your checking
  • No minimum balance and no monthly maintenance fee
  • Unlimited withdrawals and deposits
  • FREE of activity fees
  • FREE business debit card3
  • Telephone Banking available
  • $25 minimum to open account
  • Online Statements available

Debit MasterCard® 

Our Debit MasterCard® gives you the convenience and protection you deserve - and benefits that can help you get more out of life so you don’t have to write checks or carry large sums of cash. Unlike the revolving credit line of a credit card, your Debit MasterCard is linked to your Ulster Savings Bank checking account. Money you spend is automatically deducted from your account, so you can keep track of your expenses with each monthly statement and budget accordingly!

If you need to report a lost or stolen Ulster Savings Debit MasterCard or ATM card after business hours, call 800-472-3272.

To activate and/or PIN (or re-PIN) your debit/ATM card, please call 888-533-7554. (NOTE: There is a limit set for maximum PIN tries on debit/ATM cards. After three attempts, you will be locked out for 24 hours, unless you contact our Customer Service Center at 866-440-0391.)

For more information about the Ulster Savings Debit MasterCard, please call our special MasterCard Customer Service line at 866-440-0391 or e-mail US at

1No surcharge fees at Ulster Savings and Allpoint ATMs applies to Ulster Savings cardholders only. Fees may apply at other ATM locations.

2Customer purchases checks. Other fees such as NSF, overdraft, sustained overdraft, etc. may apply. See our fee schedule for details.

3If the card is lost or stolen, the MasterCard Zero Liability program protects against unauthorized purchases. See for full terms and conditions. Certain restrictions apply. See for details. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated, used pursuant to a license.

Lost or Stolen Debit Card Call 866-440-0392
Fraud Monitoring Provider - Enfact: 1-800-262-2024
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