My Rewards Checking & Real Saver

Get Rewarded Just for Banking With Union State Bank.

Welcome to My Rewards Checking with REAL Saver.

My Rewards Checking earns big-time interest plus nationwide ATM fee refunds**. Those rewards are automatically transferred to REAL Saver. These free accounts work together so your savings builds itself.

The “Rewards” Include: 

My Rewards Checking REAL Saver 
3.00% APY*
for balances up to $25,000
1.00% APY*
for balances up to $25,000
for balances over $25,000
0.50% APY*
for balances over $25,000
0.05% APY*
when qualifications are not met
0.05% APY*
when qualifications are not met

  • Receive E-Statements
  • Access Online Banking
  • Have at least 10 MC Debit Card purchases post and settle
  • Have at least 1 Direct Deposit or ACH Auto Debit post and settle
Don’t worry … If for some reason you don’t meet these requirements one cycle, your account is still FREE and you still receive 0.05% APY on your balance in both your My Rewards Checking and REAL Saver for that cycle. You will then start fresh to earn Rewards for your next cycle.

View Qualification Periods

View our Locations and Branch Information here. 

*Minimum to open account is $25 for My Rewards checking and $25 for Real Saver.
Annual Percentage Yield (APY) accurate as of 07/03/2024. My Rewards Checking rate tiers are as follows:  3.00% APY applies to balances of $0-$25,000 and 0.50% APY applies to balances over $25,000 if qualifications are met during the monthly qualification cycle. 0.05% APY applies to all balances if qualifications are not met. All Balances will earn 0.50%-3.00% APY if qualifications are met. The advertised My Rewards Checking APY is based on compounding interest. The interest earned in My Rewards Checking is automatically transferred to Real Saver each statement cycle and does not compound. The actual interest paid may be less than the advertised APYs. Real Saver tiers are as follows:  1.00% APY applies to balances of $0-$25,000 and 0.50% APY applies to balances over $25,000 if qualifications are met during monthly qualification cycle on My Rewards Checking. All balances will earn 0.50% - 1.00% APY if qualifications are met on My Rewards Checking. Qualifying transactions must post and clear My Rewards Checking during monthly qualification cycle. Transactions may take one or more business days from transaction date to post to an account. Intra-bank transfers do not count as qualifying transactions. Rates may change after account is opened. Fees may reduce earnings. **ATM fee refunds (My Rewards Checking account only) up to $25 per monthly qualification cycle provided only if qualifications are met within monthly qualification cycle.