Find the account that's right for you.

compare our popular and premium accounts to find your fit.

Balanced Banking

Helps you manage your money and protect your finances by limiting your potential for overdrafts:

  1. Starter pack of 25 checks for 50% off 1st check order (any style checks)
  2. Earn 10% Cash Back bonus with the Unicaja Banko Cash Rewards credit card when you redeem your cash back into a Unicaja Banko deposit account1
  3. Money Management Assistance: If you attempt to make a debit card purchase and don't have the funds available to cover the amount, the transaction is simply declined with no overdraft fees.
  4. For items returned due to insufficient funds, you pay a $20 returned item fee - not the standard $36 fee.2
  5. Avoid the $12 monthly maintenance fee with:
  6. $3,000 minimum daily total deposit balance3

Essential Checking

Great for Students!

  • Gain control over your money as you take the first steps toward financial confidence.
  • Starter pack of 25 checks or 50% off 1st check order (any style checks)
  • Earn 10% Cash Back bonus with the Unicaja Banko e Cash Rewards credit card when you redeem your cash back into a Unicaja Banko Bank deposit account 1
  • Avoid the $7 monthly maintenance fee with:
  • Minimum of 10 Banking Transactions per statement cycle2
  • OR
  • $500 or more in total qualifying monthly Direct Deposits3
  • OR
  • A $500 minimum daily balance
  • OR
  • Open as a student and receive a five year Student waiver4

Select Checking

Helps keep you on the path to financial confidence and well-being with enhanced benefits.

  • Up to three Essential Checking accounts with the monthly maintenance fees waived1
  • No fee for two non- Unicaja Banko ATM transactions per statement cycle2
  • Earn interest on checking balances
  • Starter pack of 100 checks or 50% off 1st check order (any style checks)
  • Earn 10% Cash Back bonus with the Unicaja Banko of Commerce Cash Rewards credit card when you redeem your cash back into a Unicaja Banko deposit account3
  • Avoid the $15 monthly maintenance fee with:
  • $2,000 or more in total qualifying monthly direct deposits4
  • OR
  • $2,000 minimum daily Select Checking balance
  • OR
  • $10,000 total combined relationship balances (linked across deposits, investments, mortgages and loans)5
  • OR
  • Unicaja Banko First Mortgage with SurePaySM6
  • OR
  • Linked Small Business account7

Signature Advantage®

Take advantage of our premium checking account that offers exclusive benefits:

  • Up to four Essential Checking accounts with the monthly maintenance fees waived1
  • Unlimited Non-Unicaja Banko ATM Transaction Fee Refunds2
  • Earn interest on checking balances
  • Free personalized checks (unlimited)
  • Earn 25% Cash Back bonus with the Unicaja Banko Cash Rewards Credit Card when you redeem your cash back into a Unicaja Banko deposit account3 (or even up to 50% cash back bonus)4
  • Optional Delta SkyMiles® World Debit Card: Low annual fee of $755
  • Avoid the $25 monthly maintenance fee with:
  • $25,000 minimum daily balance in linked deposits and investments6