Get Wise Personal Deposit Products: Elevate Your Banking

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**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.
See Disclosures for more details
Account Type	Minimum Deposit to Open	Minimum Balance to Earn Annual Percentage Yield (APY)	Minimum Balance to Avoid Maintenance Services Charges
U2 E-Checking (2nd Chance*)	$25	N/A	N/A
Black Wall Street Checking	$25	N/A	N/A
UNITY E-Gold Checking	$500	$100	$1,000**
BankBlack Savings	$25	$200	$200***
UNITY E-Gold Savings	$1,000	$1,000	$1,000
UNITY Gold 120 Day E-CD	$500	$500	N/A
UNITY Gold One Year E-CD	$500	$500	N/A
UNITY 15 Month E-CD	$500	$500	N/A
UNITY Gold Two Year E-CD	$500	$500	N/A

**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.

See Disclosures for more details

Account Type

Minimum Deposit to Open

Minimum Balance to Earn Annual Percentage Yield (APY)

Minimum Balance to Avoid Maintenance Services Charges

U2 E-Checking (2nd Chance*)

$25

N/A

Black Wall Street Checking

$25

N/A

UNITY E-Gold Checking

$500

$100

$1,000**

BankBlack Savings

$25

$200

$200***

UNITY E-Gold Savings

$1,000

UNITY Gold 120 Day E-CD

$500

N/A

UNITY Gold One Year E-CD

$500

N/A

UNITY 15 Month E-CD

$500

N/A

UNITY Gold Two Year E-CD

$500

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.
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	$1,000**
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.

¹ U2 Checking customers are required to open a UNITY Holiday Club Savings.

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

Black Wall Street Checking

$25

N/A

UNITY E-Gold Checking

$500

$20.00

$100

$1,000**

UNITY Gold Checking

$50

$20.00

$100

$5,000

UNITY MyStyle Checking

$50

$12.00

N/A

$500**

UNITY Silver Checking

$50

N/A

U2 Checking* ¹

$50

$12.00

N/A

* Membership eligible accounts.
**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.
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
BankBlack Savings	$25	$5.00	$200	$200**
UNITY Youth Savings*	$10	N/A	$10	N/A
UNITY Savings	$100	$5.00	$200	$200
UNITY Plus Savings	$100	$5.00	$100	$400
UNITY Holiday Club Savings	$10	N/A	$10	N/A
UNITY E-Gold Savings	$1,000	$5.00	$1,000	$1,000

* Membership eligible accounts.

**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.

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

BankBlack Savings

$25

$5.00

$200

$200**

UNITY Youth Savings*

$10

N/A

$10

N/A

UNITY Savings

$100

$5.00

$200

UNITY Plus Savings

$100

$5.00

$100

$400

UNITY Holiday Club Savings

$10

N/A

$10

N/A

UNITY E-Gold Savings

$1,000

$5.00

$1,000

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
UNITY Money Market	$500	$12.00	$500	$500

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

UNITY Money Market

$500

$12.00

$500

See OneUnited Bank Truth in Savings Disclosures or OneUnited Bank Business Account Disclosures in our branches or our Online Truth in Savings Disclosures for more details.
Check out the FDIC Interactive Deposit Insurance Calculator to obtain accurate information to maximize your FDIC insurance coverage.
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
Unity Gold E-CD	$500	N/A	$500	N/A

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

Check out the FDIC Interactive Deposit Insurance Calculator to obtain accurate information to maximize your FDIC insurance coverage.

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

Unity Gold E-CD

$500

N/A

$500

N/A