Notice: 

Welcome to United Pacific Bank!

 

Personal Checking Deposit Products

Features 

Regular Checking

Super NOW 

Checking

High Yield Checking

Money Market Checking

Senior Citizen Checking

Minimum Opening Deposit

$100

$200

$2,500

$2,500

$100

Check Writing

Unlimited

Unlimited

Unlimited

Limited to 6 withdrawals or transfers per statement cycle**

Unlimited

ATM/Point of Sale

Yes

Yes

Yes

Yes

Yes

Bill Pay

Yes

Yes

Yes

Yes

Yes

Minimum Balance to Avoid Fee

Daily Balance of $100; or Average Daily Balance of $200 for the monthly statement cycle

Daily Balance of $200; or Average Daily Balance of $400 for the monthly statement cycle

Daily Balance of $2,500; or Average Daily Balance of $5,000 for the monthly statement cycle

Daily Balance of $2,500; or Average Daily Balance of $5,000 for the monthly statement cycle

No Minimum Balance Requirement

Monthly Maintenance Fee (If minimum balance requirement is not met)

$10 + $0.25 for each Item Paid

$10 + $0.25 for each Item Paid

$15 + $0.25 for each Item Paid

$15

None

Interest Bearing

No

Yes

Yes

Yes

No

Minimum Daily Balance to Obtain the Disclosed Annual Percentage Yield

N/A

No Minimum

Balance 

Requirement

$2,500

$2,500

N/A

Features and Benefits

  • Low Opening Balance
  • 24/7 Online Banking, Bill Pay and A2A Transfer
  • eStatement is available
  • Low Opening Balance
  • 24/7 Online Banking, Bill Pay and A2A Transfer
  • eStatement is available
  • Earns Interest
  • 24/7 Online Banking, Bill Pay and A2A Transfer
  • eStatement is available
  • Earns Interest
  • 24/7 Online Banking, Bill Pay and A2A Transfer
  • eStatement is available
  • Low Opening Balance
  • 24/7 Online Banking, Bill Pay and A2A Transfer
  • eStatement is available

** $10 excessive withdrawal fee for each withdrawal or transfer from Money Market Checking account in excess of 6 during a monthly statement cycle. Withdrawals in person are unlimited.

Personal Checking Deposit Products

Regular Checking / Super NOW Checking / High Yield Checking / Money Market Checking / Senior Citizen Checking

Personal Regular Checking Account

  • Minimum deposit of $100.00 to open the account
  • Unlimited check writing
  • Minimum daily balance of $100.00 or an average daily balance of $200.00 for the monthly statement cycle to avoid a service charge ($10.00 monthly service charge and $0.25 for each item paid)
  • The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period

Personal Super Now Account

  • Interest-bearing account
  • Minimum deposit of $200.00 to open the account
  • Unlimited check writing
  • Minimum daily balance of $200.00 or an average daily balance of $400.00 for the monthly statement cycle to avoid a service charge ($10.00 monthly service charge and $0.25 for each item paid)
  • The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period
  • Interest will be compounded and credited to your account every month
  • At our discretion, we may change the interest rate on your account
  • If you close your account before interest is credited, you will not receive the accrued interest
  • Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day

Personal High Yield Checking Account 

  • Interest-bearing account
  • Minimum deposit of $2,500.00 to open the account
  • Unlimited check writing
  • Minimum daily balance of $2,500.00 or an average daily balance of $5,000.00 for the monthly statement cycle to avoid a service charge ($15.00 monthly service charge and $0.25 for each item paid)
  • The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period
  • Minimum daily balance of $2,500.00 each day to obtain the disclosed annual percentage yield
  • Interest will be compounded and credited to your account every month
  • At our discretion, we may change the interest rate on your account
  • If you close your account before interest is credited, you will not receive the accrued interest
  • Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day

Personal Money Market Checking Account

  • Interest-bearing account
  • Minimum deposit of $2,500 to open the account
  • Minimum daily balance of $2,500.00 or an average daily balance of $5,000.00 for the monthly statement cycle to avoid a service charge ($15.00 monthly service charge)
  • The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period
  • Minimum daily balance of $2,500.00 each day to obtain the disclosed annual percentage yield
  • Interest will be compounded and credited to your account every month
  • At our discretion, we may change the interest rate on your account
  • If you close your account before interest is credited, you will not receive the accrued interest
  • Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day
  • Limited to no more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction – including online banking transaction, or by check, draft, debit card (if applicable) or similar order to a third party per month. The account may be closed for repeated violations of excessive activity.
  • $10 excessive withdrawal fee for each withdrawal or transfer in excess of six during a monthly statement cycle (withdrawals in person are unlimited)

Senior Citizen Checking Account

  • Available to persons 55 years of age or older 
  • Minimum deposit of $100 to open the account
  • Unlimited check writing

Contact Info

To learn about how United Pacific Bank deposit products building your savings plan, please call:

City of Industry Office: 626-965-6230 ext. 137

Monterey Park Office:  626-312-2080 ext. 210