Personal Checking

Find out which checking account is right for you!

Whatever your checking needs may be, Ulster Savings Bank has the right plan for you! Take advantage of our wide range of checking options that offer the right combination of flexibility and accessibility to fit your lifestyle.

Wall Street Checking*

An account for those interested in higher interest rates.

  • Higher interest rates on balances of $2,500 or more
  • Competitive interest if balance falls below $2,500
  • Only $50 minimum opening deposit
  • No per check charge
  • Unlimited check writing
  • Only $8 monthly charge if minimum daily balance falls below $1,000

VIP Free Interest Checking*

FREE checking account with the convenience of direct deposit or an Ulster Savings Bank automatic mortgage payment!

  • No monthly service charge
  • No per check charge
  • Unlimited check writing
  • Easy-to-balance monthly statement
  • Only $50 minimum opening deposit
  • Competitive interest rate

Premium 50+ Free Interest Checking*

FREE for customers 50 and over.

  • Competitive interest
  • Only $50 minimum opening deposit
  • No minimum balance
  • No monthly service charge
  • No per check charge

Absolutely Free Checking*

If you're looking for a convenient personal checking account with no maintenance fees or minimum monthly balance to maintain, this is it!

  • No per check charge
  • Only $25 minimum opening deposit
  • Unlimited check writing
  • FREE online banking with bill pay
  • FREE online statements
  • FREE account opening gift
  • FREE refer-a-friend gift
  • FREE mobile app

Smart Start Checking

Our Smart Start* Checking account is specifically designed for students between the ages of 13 and 17 years old with a parent/guardian joint owner. Get  $25** deposited into your account when you complete 10 short modules in our online financial education center. Ask an account representative at time of account opening for details.

  • No minimum balance
  • No monthly service charge
  • Unlimited check writing
  • Debit Mastercard
  • $10 refund per month for out-of-network ATM fees

Student Investor Checking

Our Student Investor* checking is specifically designed for today's college student. You can open an account online or in person at any of our 14 locations. Some features and benefits of a checking account with US include:

  • FREE first set of checks (select styles)
  • No minimum balance required
  • No monthly service charge
  • Only $25 minimum opening deposit
  • $10 refund per month for out-of-network ATM fees

If you are going to college in the Hudson Valley, you will find Ulster Savings Bank branches near most of the colleges in the area. ATMs are also located on campus at both SUNY Ulster Community College and SUNY New Paltz.

Our membership in the Allpoint network gives you access to over 55,000 Surcharge-Free^ ATMs worldwide! In the event you don’t use an Ulster Savings or Allpoint Network ATM, we will refund you up to $10 of ATM fees and surcharges per month on your debit card. 

Swipe and Save

Enroll in our Swipe and Save Program and round up your debit card purchases to the nearest dollar and transfer the difference to a statement savings account. Get started saving. It's as easy as 1, 2, 3!

  1. Enroll. Stop by a branch and enroll in a USB checking account with a debit card and connect it to a USB statement savings account of your choice. 
  2. Shop. Use your debit card for everyday purchases and spend like you normally would.
  3. Save. Your purchases will be rounded up to the nearest dollar and the change will be transferred from your USB checking account to your USB statement savings account.

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 zero liability 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

If 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.

Bank From Anywhere

Ulster Savings Bank offers a large selection of online banking services that enable you to bank any time you want, from any location.

Our FREE services include:

Ulster Savings Bank’s FREE Mobile Banking Application

Download on the App Store Get it on Google Play

55,000+ Surcharge-Free^ ATMs worldwide

Man using phone to find ATM

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-Free^ ATMs worldwide!

*Customer purchases checks. Other fees such as insufficient funds, overdraft privilege fee, continuous overdraft fee, etc. may apply. See fee schedule for details.

**Ask an account representative at time of account opening for details. Account credit is reported on a 1099-INT as interest earned.

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

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