Select Senior or Student Membership if you are 65 or older or a matriculating student and prefer FREE Membership. Select Youth Membership if you are 18 or younger and prefer FREE Membership for as many statement or passbook savings accounts as you desire.. With Senior and Student Membership you can obtain:

• Free online banking
• No monthly account maintenance fees
• No minimum balances to avoid fees
• No ATM fees for proprietary ATMs
• No check cashing fees
• No transaction or per check fees
• Free 24 hour telephone banking
• Online bill payment services
• Convenient banking by mail and direct deposit
• Convenient personal service by phone
• Free Membership!

For more information, see OneUnited Bank Truth In Savings Disclosures in our branches.

	Membership Type/Senior, Youth & Student Account Minimum Deposit to Open Minimum Balance to Earn Annual Percentage Yield (APY) Minimum Balance to Avoid Maintenance Services Charges Senior Membership (Membership Fee $0.00) UNITY Silver Checking* $10.00 Non-Interest Bearing N/A UNITY Silver Savings* $10.00 $10.00 N/A UNITY Silver Passbook Savings* $10.00 $10.00 N/A UNITY Money Market $500.00 $500.00 N/A UNITY Holiday Club Savings $10.00 $10.00 N/A Student Membership (Membership Fee $0.00) UNITY Student  Checking* $10.00 Non-Interest Bearing N/A UNITY Student Savings* $10.00 $10.00 N/A UNITY Money Market $500.00 $500.00 N/A UNITY Holiday Club Savings $10.00 $10.00 N/A Youth Membership (Membership Fee $0.00)       UNITY Youth Savings $10.00 $10.00 N/A UNITY Youth Passbook Savings* $10.00 $10.00 N/A UNITY Holiday Club Savings $10.00 $10.00 N/A * Membership eligible accounts. Member FDIC

See OneUnited Bank Truth in Savings Disclosures for more details.

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