Maximize Your Checking Account

The Checking Account: More Than Just a Place for Your Money

The checking account: it’s most people’s go-to tool for managing everyday finances. It tracks incoming deposits and outgoing payments, keeping your money organized and accessible. At first glance it might seem basic, even a little boring. But don’t be fooled. When paired with the right tools and features, a checking account can become the centerpiece of a powerful personal finance strategy.

Union State Bank offers a range of features designed to take your checking experience to the next level. Whether you're just starting out or already a seasoned money manager, there’s something here for everyone.

Level 1: Beginner – Get Started with the Essentials

Everyone has to start somewhere. These foundational tools make managing your checking account simpler and more convenient:

• Debit Card – First introduced by the Bank of Delaware in 1966 and popularized by VISA in 1975, debit cards have evolved into secure, multi-functional tools. With features like magnetic stripes, EMV chips, and contactless payment, today’s debit cards make accessing your money faster and safer than ever.
• Online & Mobile Banking – Forget the checkbook register. With real-time access to balances and transactions, online and mobile banking put your account at your fingertips. Transfer funds, view check images, stop payments, and more.
• Contactless Mobile Payments – Link your account to Apple Pay, Google Pay, or Samsung Pay for a quick, secure, and private way to pay. These services use encrypted token technology and dynamic security codes to keep your card details safe with every tap.

Level 2: Intermediate – Make Your Account Work for You

You’ve got the basics down. Now it’s time to unlock your account’s potential with these features that bring added convenience and flexibility:

• Snappy Pay (Customer-to-Customer Transfers) – Transfer funds to other Union State Bank customers directly through online or mobile banking. Set up one-time payments or recurring transfers with just a few taps.
• Online Bill Pay – Pay virtually anyone, creditors, service providers, even your babysitter. Most payees will accept an electronic payment. If not, Union State Bank will send a check on behalf of the Bill Pay customer. Either way, it's one less stamp to worry about.
• Snappy Mobile Deposit – Deposit checks on your schedule. With Snappy Mobile Deposit, you can submit checks securely from your smartphone, 24/7 with no trip to the branch required.

Level 3: Expert – Maximize Your Financial Efficiency

You're a pro at managing your money. These advanced tools bring next-level control, protection, and savings power to your checking account:

• CardValet® – Take control of your debit card. Set spending limits, choose where your card can be used, and receive instant alerts for every transaction. It's real-time card security, customized for your lifestyle.
• Early Pay – Stop waiting for payday. Connect your checking account to Early Pay and receive your payroll, retirement or other ACH deposits up to two days prior to the scheduled settlement date. Some restrictions apply. See representative for details.
• Round Up – Turn your checking account into a savings tool. Once enrolled, each transaction made with your Union State Bank debit card will “round up” to the nearest whole dollar amount, transferring the difference to your designated USB deposit account. For example: Complete a purchase for $1.72 with your USB debit card. Once the transaction posts and clears your checking account, the purchase amount automatically “rounds up” to $2.00 and transfers $0.28 into your designated USB deposit account at the end of the business day. Some restrictions apply. See representative for details.

In Conclusion

Your checking account is more than just a place to hold your money, it's the engine that drives your financial life. By taking advantage of the features available through Union State Bank, you can transform your account into a smart, flexible, and efficient tool for managing your money.

Learn more about these features at Union State Bank’s website or stop by your nearest branch to speak with a representative. Let’s take your checking account from basic to brilliant.