Ultra Smart Checking

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Receive a Free Gift* with your new interest checking. Enjoy cell phone protection, roadside assistance, identity theft aid, local discounts when shopping, dining, travel and more. Maintain a $2,500 daily balance and we’ll waive the $8 monthly fee. Easily sign up for your BaZing rewards by downloading the MyPerksNow app from Apple App Store or Google Play.

Use the MyPerksNow app to save money on the things you're already paying for.

  • Shopping and dining from local stores and restaurants**
  • Nationwide travel, hotel, recreation, and entertainment savings
  • Savings on prescriptions, vision, and hearing aids
  • Cell phone protection - up to $8001,2 
  • Roadside assistance - 24/7, up to $80
  • $10,000 travel accidental death insurance2
  • $2,500 personal identity theft benefit1,2,3 and identity restoration
  • Payment card fraud resolution
  • Buyer’s protection and extended warranty1,2
App Home Screen

Smart banking tools:

  • Online and Mobile Banking
  • Mobile Wallet
  • E-Statements
  • Mobile Check Deposit
  • FREE4 Zero Liability5 Debit Mastercard®
  • Surcharge-Free4 ATMs
  • Bill Pay
  • Zelle®
  • Debit Card Controls
  • Two-Way Text Alerts
  • Early Direct Deposit


We’re sending business your way! Join the Discount Network today. Joining the network is a powerful way to promote your local business. It’s free exposure for you and a valuable benefit for customers. Don’t miss out on this great opportunity to promote your business.

Minimum deposit of $25 to open Ultra Smart checking account. Monthly maintenance fee is $8.00. The monthly maintenance fee will be waived if $2,500 minimum daily balance is maintained for every day of the statement cycle period. Customer purchases checks. Other fees such as insufficient funds, overdraft privilege fee, continuous overdraft fee, etc. may apply. See fee schedule for details.

1 Subject to the terms and conditions detailed in the Guide to Benefits. 3 Identity and credit monitoring require additional activation for monitoring to begin. 4 No surcharge fees at Ulster Savings and Allpoint ATMs applies to Ulster Savings cardholders only. Fees may apply at other ATM locations. 5 Certain restrictions, terms, and conditions apply. Contact 1-800-Mastercard for more details. *Value of free gift may be reportable as interest on 1099-MISC form. We reserve the right to substitute a gift of similar value. Free gift provided at the time of account opening. **Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

24/7 Debit Card Support: 866-440-0392
Calls from 800-262-2024 are from our fraud monitoring provider Enfact.
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