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$10 in your account on us
we will deposit your first $10
The “Oops” Favor
three overdrafts…. We’ll forgive you
Online and Mobile banking
bank from anywhere
No service charges
our job is to save your money, not spend it
No minimum balance
because being broke happens, even to the best of us
Savings Account
stash your stacks with us
Free Transfer & Direct Deposit
slide your cash from one account to another for free
High Yield Interest Rate
we‘ll even pay you more than your parents do
Info Injection
learn the basics of banking and have a little fun
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This is the coolest feature of the UBanking movement. Say
you forgot to fill out your check register or didn't carry
the one when you were doing the math balancing your account.
UBanking has your back. UBanking will refund the
penalty ($28) for FREE up to 3 times. 3 strikes and you're
out? Hardly. This is banking, not baseball. Should you
happen to overdraft more than 3 times, we don’t kick you out
of the program, we just make you pay the same rate as
everyone else.

Save a tree. Stash your cash without the paper. Put your paycheck into your account online. It’s free, fast, secure and doesn’t require a drive to the bank. Less gas means more cash.

Sign up and we‘ll deposit your first $10 in your new
account. If you refer a friend and that person opens an
account we’ll deposit $10 in their account and you’ll
get a $10 gift card. |

Virtual Vault
secure access to statements, checking, savings, money market
CDs, credit cards, loans, lines of credit and more
Archives
account summaries and transaction history for 24 months
Cash transfers
move your money from one place to another for Free
Alarms and Allies
get alerts and online help or call in and talk with a real,
live person… no automated service here

Set aside some reserve funds for when you need it, like
for college or your first car…or that friend’s TV you
smashed doing an ollie over the couch. Point is, we have
designed a savings account that pays more just for you.
- High Yield interest Rate
- FREE Auto-Transfer at no charge (save $10)
- Six Free Online Transfers
- Online Statements
- No minimum balance

Ok, it's not exactly a seminar, but more
like a quarterly tutorial on the ins and outs of banking.
The injection is our way to give you an advantage over other
people your age in the banking world with knowledge to help
you make money and avoid financial hazards. This is a good
time to show your parents that you're a little more
independent. Maybe, just maybe, you can push that curfew
back a couple
more minutes.

Snag your balance, make transfers, check your history and
more. You can even get text alerts when
your balance gets low.

Need cash? UBanking provides great rates and a quick
application process. It’s never too early to start building
life long credit. All decisions are made right here, so you
can expect an answer usually within the same day or even the
same hour. You’re eligible to receive a .5% interest rate
discount if you apply for an automatic deduction from your
UBanking checking account. Grab additional funds with:
- Installment Loans
i.e. car loans
- Ready Reserve
overdraft protection
- Loans for School
- Union State Bank Visa Credit Card
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- Show your parents this brochure or take them through
ubankingfargo.com
- Bring your ID. If you drive all the way over to Union
State Bank and can't open your account because you forgot
your mug shot, that's just wasting gas.
- First $10 of your first deposit is on US.
- Your parents can check your account status online.
Sounds weak, BUT...
that way your parents can transfer funds from their
account to yours online in case you run out of gas or
something.
- Don't worry if your parents don't bank here. This is
all about you.
- We offer a cash card that you can reload whenever.
- If you're under 18, your parents need to sign too.
It's the law, sadly.
Everyone loves a mascot. Meet our mascot, Freebie. He's
kinda like our spokesman, but he doesn't speak. He will
chat online though. Friend him on Facebook. Check him
out at events or the mall where he'll be surrounded by
people trying to get t-shirts or other "freebies," get
it? Good. Keep an eye out for our big, purple UBanking
mascot.
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