Personal Checking

Yes…we have an affordable checking account that’s right for you!

UNITY® Gold Checking
An interest bearing checking account.
UNITY® Silver Checking
If you are 65 or older, to obtain a free checking account.
UNITY® MyStyle Checking
To avoid a monthly fee with direct deposit and 10 Visa debit card point-of-sale withdrawals.
U2 Checking
If you had problems with your banking relationships and need a second chance.


…and you get these benefits:

Purchase Rewards and Visa Debit Card
Free mobile banking, online banking, bill pay, balance alerts


Branch staff our customers love!

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


Account Type Minimum Deposit to Open Monthly Maintenance Service Charge Membership Fees Minimum Balance to Earn Annual Percentage Yield (APY) Minimum Balance to Avoid Maintenance Services Charges
U2 E-Checking (2nd Chance*) $25 $12.00 N/A N/A
Black Wall Street Checking $25 N/A N/A N/A
UNITY E-Gold Checking $500 $20.00 $100 $5,000**
UNITY Gold Checking $50 $20.00 $100 $5,000
UNITY MyStyle Checking $50 $12.00 N/A $500**
UNITY Silver Checking $50 N/A N/A N/A
U2 Checking* ¹ $50 $12.00 N/A N/A

* A second chance checking account for people with ChexSystems records.
**For any month you have at least one direct deposit and conduct a minimum of 10 debit card point-of-sale (POS) withdrawals that appear on your statement as completed transactions during the month, the monthly Maintenance Service Charge Membership Fee will not be charged for that month. An Electronic Funds Transfer (EFT) credit counts as a direct deposit.
¹ U2 Checking customers are required to open a UNITY Holiday Club Savings.

See OneUnited Bank Truth in Savings Disclosures or our Online Truth in Savings Disclosures for more details.
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