Personal Checking Accounts


Flexible. Convenient. Right for you. We’ve made choosing the right Checking Account simple. We are here to help you make the most of your time and money.

All of our Checking Accounts include free Online Banking, bill payment, our convenient Mobile Banking App with mobile deposit, free text and email account alerts, free e-Statements, and direct deposit. Add a free Visa® Debit Card with Card Management to make accessing your funds and making purchases a breeze.

Each account is eligible for direct deposit and optional overdraft protection to provide you with peace of mind. Get started by stopping by our office, or you can complete and submit our online deposit application.

Contact us to receive the switch kit.

Checking Fees
Item Freedom Checking
No minimum balance and no monthly service fees
Republic Checking
This exclusive account pays you back
UR Time Checking
Designed exclusively for customers “50 or better”
Rewards Checking
Reward URself with this account
Minimum to Open $0 $1,000 $50 $50
Minimum Balance to Avoid Monthly Service Charge N/A $1,000 $50 N/A
Service Charge N/A $10 if balance falls below minimum $5 if balance falls below minimum N/A
Interest None None Tiered based on balance: $0-$5,000 Above $5,000 with monthly direct deposit, and 10 debit transactions Tiered based on balance: $0-$20,000 Above $20,000 with monthly direct deposit, 20 debit card transactions, and e-Statements
ATM Fees Unlimited free transactions at URB & Money Pass ATMs. 2 free foreign ATM transactions, including refund of surcharges, with a monthly direct deposit. $2 for each foreign ATM transaction thereafter. Unlimited free ATM transactions worldwide, including refund of surcharges. Currency conversion fees may apply. Unlimited free transactions at URB & Money Pass ATMs. 5 free foreign ATM transactions, including refund of surcharges, with a monthly direct deposit and 10 debit transactions. $2 for each foreign ATM transaction thereafter. Unlimited free transactions at URB & Money Pass ATMs. 2 free foreign ATM transactions, including refund of surcharges. $2 for each foreign ATM transaction thereafter.
Free Checks No Yes Yes No
Overdraft Transfer $5 per transfer $5 per transfer $5 per transfer $5 per transfer
Rebates No Yes1 No No

1. Customers receive a $0.10 credit to their account for every Visa debit card merchant transaction, up to a maximum of $5 per month.


Debit Cards

URB Card Management

Card Management and Spend Tracking within Our Mobile Banking App.

Designed to optimize your experience, the new features will be found by tapping "My Cards" right inside your Mobile Banking App. 

  • Transaction notifications

  • Enriched transactions to clearly see where your purchases are made

  • Recurring payment visibility for subscriptions and cards on file with merchants

  • Controls and alerts for location, merchant type, and spending limit preferences

  • Simplified reporting of lost or stolen cards

  • Tracking spend by month, category, and more

If you have additional questions about banking at United Republic Bank, don’t hesitate to contact us, or you can check out our Frequently Asked Questions (FAQs). Both are great ways to make sure you’re fully informed on all that we have to offer.