The best choice to open and manage your personal and small business checking accounts online!
We’re not only a community bank; we’re an internet bank as well. We offer a number of online banking services for our personal and business banking customers. Here are some of the benefits you’ll discover when you sign up for an internet membership:
Free Services
- Free mobile banking, online banking, bill pay, balance alerts
- LinkLine our automated 24/7 phone service
- Purchase Rewards and Visa Debit Card
No or Low Fees
- No monthly account maintenance fee for savings with direct deposit
- Low monthly account maintenance fees for checking and savings
- Low minimum balances to avoid fees for checking
Convenient Services
- POP Money – Pay other people using their email or text
- Funds Transfer – Move money from you other bank accounts
- Obtain cash, surcharge free, at over 25,000 ATMs
- Online loan applications and decisions for mortgages and credit cards
- Convenient personal service by phone (yes…in America)
Competitive Rates
For more information on our internet membership program, online business banking, and more, see Disclosures.
Internet Membership
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** |
BankBlack Savings |
$25 |
$5.00 |
$200 |
$200*** |
UNITY E-Gold Savings |
$1,000 |
$5.00 |
$1,000 |
$2,500 |
UNITY Gold 120 Day E-CD |
$500 |
N/A |
$500 |
N/A |
UNITY Gold One Year E-CD |
$500 |
N/A |
$500 |
N/A |
UNITY 15 Month E-CD |
$500 |
N/A |
$500 |
N/A |
UNITY Gold Two Year E-CD |
$500 |
N/A |
$500 |
N/A |
* For customers 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.
*** For any month you have at least one direct deposit during the month, the monthly Maintenance Service Charge Membership Fee will not be charged for that month. An Electronic
Funds Transfer (EFT) credit or an
AutoSave deposit transfer count as a direct deposit.