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  UBS Bank USA Checking Account

UBS Bank USA Checking Account

in Checking Accounts from UBS Bank USA · Member fdic

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UBS Bank USA Checking Account

Unaffiliated

in Checking Accounts from UBS Bank USA · Member FDIC

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Highlights
Monthly Fee $0 - $95
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.01% - 0.25%

UBS Bank USA Checking Account Review

UBS Bank USA Checking Account is offered by UBS Bank USA, a bank founded in 1862 and based in Salt Lake City, UT. UBS Bank USA Checking Account is available in 50 states (and Washington, DC).

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only .25%.
  • Charges a monthly fee. This account charges a monthly service fee of up to $95, but there are ways to waive the fee.
  • Large minimum initial deposit. You need a minimum deposit of $5,000 to open an account. This is a relatively large minimum initial deposit when compared to the other accounts that we track.
  • No ATM fees. UBS Bank USA Checking Account does not charge fees on ATM transactions.
  • Hard credit pull. UBS Bank USA may require a hard pull on your credit report to open a checking account.
UBS Bank USA Checking Account Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Interest-yielding account.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Not FDIC-insured.
  • Higher than average wire transfer fees.
  • Monthly service charge.
UBS Bank USA Checking Account FAQ

Are checking accounts from UBS Bank USA federally insured?

Yes, your UBS Bank USA checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does UBS Bank USA Checking Account offer?

UBS Bank USA Checking Account offers an APY starting at .01% and ranging up to .25% (APY stands for annual percentage yield, rates may change).

UBS Bank USA Checking Account Rates and Terms
Rates Amount
APY (Annual Percentage Yield) .01% - .25%

What are the account minimums for UBS Bank USA Checking Account?

UBS Bank USA Checking Account requires a minimum initial deposit of $5,000 to open an account.

UBS Bank USA Checking Account Account Minimums
Description Amount
Minimum Opening Deposit $5000

What fees does UBS Bank USA Checking Account charge?

This account charges a monthly service fee of up to $95.

UBS Bank USA Checking Account Fees
Description
ATM Fee: In-Network $0
Check Copy $2.50
Debit Card Replacement Fee $20
Early Account Closure $150
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $95
NSF Fee $15
Online Bill Pay Fee $0
Overdraft Item Fee $15
Overdraft Protection Fee (per transfer) $0
Paper Statement Fee $1.70
Returned Deposit Fee (Domestic) $25
Returned Deposit Fee (International) $25
Stop Payment Fee $12
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $45
ATM Fee: Out-of-Network $0

Does UBS Bank USA Checking Account charge overdraft fees?

Yes, UBS Bank USA Checking Account charges a $15 fee for every overdraft fee.

What features and perks does UBS Bank USA Checking Account offer?

This account includes the following features:

  • Mobile Banking Services - UBS Bank USA Checking Account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   299 South Main Street, Ste 2275
    Salt Lake City, UT 84111 USA
  •   Visit Site

Other Services by UBS Bank USA

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $5,000
ATM Fee: In-Network $0
Online Bill Pay Fee $0
Overdraft Protection Fee (per transfer) $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
ATM Fee: Out-of-Network $0
Check Copy $2.50
Debit Card Replacement Fee $20
Early Account Closure $150
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $95
NSF Fee $15
Overdraft Item Fee $15
Paper Statement Fee $1.70
Returned Deposit Fee (Domestic) $25
Returned Deposit Fee (International) $25
Stop Payment Fee $12
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Outgoing) $45
Bank Account Features
  • Debit Card
  • IRAs
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • No ATM Fees
APY (Annual Percentage Yield) 0.01% - 0.25%

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