Personal Checking Accounts at Ultima Bank
Your checking account should do more than just hold your money. That’s why we’ve designed options that fit the way you live, work, and manage your finances. Whether you’re looking for digital convenience with mobile banking and online bill pay, low fees to keep more of your money where it belongs, or interest-earning features, Ultima Bank has a solution for you.
Our goal is to make banking easy, secure, and tailored to your needs. With features like fraud protection, 24/7 account access and local support, you’ll have confidence and flexibility every step of the way.
Discover the checking account that works best for you!
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Digital Banking Made Easy
All our accounts come with:
- eStatements: Secure, paperless delivery of your eStatements and check images at no charge.
- Online Banking: Access your accounts anytime, anywhere, on any device. Pay bills, make deposits, and so much more!
- Mobile Deposit: Make deposits on the go 24/7 through our app or at any MoneyPass deposit-enabled ATM, including those at our Fosston and EGF locations.
- UBM Debit Card: Use your card anywhere Mastercard is accepted. Our new cards will now feature tap-to-pay.
eStatement Benefits
When you opt for electronic statements, you enjoy:
- Fast, secure delivery
- No monthly statement fee
- Free debit card with eStatement enrollment
Note: If you choose paper statements, the following fees apply:
- $5.00 per statement (with images)
- $5.00 for additional mailed statements
Account Options
| Account Type | Interest | Minimum to Open | Minimum to Earn Interest | Ideal For | Special Features |
|---|---|---|---|---|---|
| Personal Checking | No | $100 | N/A | Individuals | Basic checking, low minimum |
| Premier 55+ Checking | No | $100 | N/A | Customers age 55+ | Free statements, checks, and money orders |
| Ultima Checking | Tiered | $100 | $1,000 | High-balance accounts, individuals seeking interest-bearing checking accounts | Highest interest tier |
Ready to Open an Account?
Visit any of Ultima Bank's six locations to get started.
Our team is here to help you choose the account that’s right for you.
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