Ultimate Checking
What's better than free? How about free checking that actually pays you? This free high interest checking account earns 3.56% APY* and refunds ATM fees—not just in Springdale or Northwest Arkansas, but nationwide! There are no minimum balance requirements or monthly fees, and it's easy to qualify!


- Summary
- Earn 3.56% APY* on balances up to $25,000
- Earn 0.51% APY* on amount of balance over $25,000
- Earn 0.05% APY* each cycle that qualifications aren't met
- ATM fee refund nationwide each cycle that qualifications are met
- No minimum balance or monthly fees
- Unlimited checking
- $700 overdraft protection**
- Free online banking with bill pay
- Free eStatements
- Free telephone banking and mobile banking
- $100 opening deposit
- FDIC insurance
For more information, visit any of our four locations in Springdale, Fayetteville, or Rogers, or visit www.ubultimate.com.
*APY = Annual Percentage Yield.
**Available upon approval.
- Qualifications
In order to receive the ULTIMATE rate and ATM fee refunds, simply do the following each statement cycle:
- Make 10 debit card purchases (excludes ATM transactions)
- Set up 1 recurring direct deposit or automatic ACH payment
- Receive free eStatements
- Access online banking at least once
If you don't qualify in a given cycle, don't worry—you still earn our base rate of 0.10% APY* and get free unlimited checking and debit card privileges. And you can get the rewards back the very next cycle, by simply meeting the qualifications for that cycle!
*APY = Annual Percentage Yield.
- More Info
Annual Percentage Yield (APY) accurate as of 7/14/10. Minimum to open account is $100. Rate tiers are as follows: 3.56% APY applies to balances of $.01 - $25,000 and 0.51% APY applies to balances over $25,000 as long as qualifications are met each statement cycle. 0.05% APY applies to all balances if qualifications are not met. All balances will earn 3.56% APY to 0.51% APY as long as qualifications are met. Rates may change after the account is opened. Fees may reduce earnings.


