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.

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

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

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

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

Student Investor Checking

Our Student Investor Checking is specifically designed for today's high school and college student.

For more information, see our Student Banking Program.

  • FREE first set of checks (select styles)
  • No minimum balance required
  • No monthly service charge
  • Only $25 minimum opening deposit

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-Free1 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-Free1 ATMs worldwide!

Find an Allpoint ATM

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

1No 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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