Student Banking

Smart Start1 Checking Account

Our Smart Start Checking account is a free1 account 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 a 10 module playlist in our online financial education center

After you have fully completed all 10 short modules, you will be able to download a certificate. Please deliver this certificate to the bank by mail, email, or in person when you open your new account to receive your $25* deposit.

$25* Bonus Playlist Find an ATM

Online Banking Tools

  • Instant Issue Debit Mastercard®
  • Mobile Check Deposit
  • $10 refund per month for out-of-network ATMs
  • Surcharge-Free2 ATMs
  • Budgeting and Spending Tool
  • Zelle®
  • Bill Pay
  • Debit Card Controls
  • Real-Time Text Alerts
Online Banking Zelle®

Minor Savings Account

In today’s world, it’s critical to start good savings and investing habits at an early age. This account is created exclusively for students of elementary to high school age and teaches children the benefits of saving, while making it fun and enjoyable.

  • $5 minimum deposit
  • Receive statements quarterly.
  • Sign up for online banking.
  • Interest will be earned on balances of $5 or more.
  • Withdrawals can be made at any of our convenient branch locations.
Find a Location

Rewards for Good Grades

We reward good grades. Students with a B average or better, can receive $2 deposited into one of their deposit accounts each report card period and earn up to $8 each year. Just stop by any branch location and show US their report 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.
Find a Location

1 Minimum deposit of $25. Customer purchases checks. Other fees such as insufficient funds, overdraft privilege fee, continuous overdraft fee, etc. may apply. See fee schedule for details. This account is not eligible for overdraft privileges. Other fees such as insufficient funds 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. 2 No surcharge fees at Ulster Savings and Allpoint ATMs applies to Ulster Savings cardholders only. Fees may apply at other ATM locations.

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

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