Minimum Opening Deposit
A $100.00 deposit is required to open this account.
Monthly Service Fee
The Monthly Service Fee of $5.00 can be waived by maintaining an minimum combined daily balance of $10,000.00 in your checking, saving, money market, or CD / IRA balances.
Annual Percentage Yield (APY)
The account earns 0.05% interest.
Debit Cards & Using ATMs
Surcharge-Free ATM Access
Univest provides surcharge-free access to your cash at over 50,000 Allpoint Network ATM locations when requested.
Non-affiliated ATM Usage Fee
International ATM Usage Fee
When you make a withdrawal in another country, you will be charged a fee calculated as 1.00% of the total amount withdrawn.
Electronic & Telephone Banking
Online Bill Pay
Mobile & Text Banking
This institution supports:- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An iPhone application to view account balances, deposit checks, view recent activity, transfer funds, pay bills, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- A BlackBerry application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Deposit Checks with Mobile Phone
This feature is available on the iPhone mobile application.
Free thru Zelle
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- The bad news that your account balance is below $0;- Reminders that bills are coming due for payment;- Confirmation that bills have been paid;- Transactions posted to your account.
Included with Online Banking
Automated Phone Banking
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
The first order of 'basic' checks is free for all new account holders. Customers 55 or above receive free Univest style checks
Monthly Paper Statements
Check Images with Statements
Online Check Images
Overdrawing the Account
Negative Balance Fee
$10 a day for every day account is negative $20 or more
Returned Item Fee
The Returned Item Fee is $35.00 per overdraft.
This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- Funds are transferred to bring the account balance to $0.00.
About Univest Bank and Trust Co.
We emphasize the personal in personal banking. We know how important your finances are to you. Life is demanding, your personal finances do not have to be. Univest offers a full range of personal banking products and services that help you make the most of your money and free up your time.