Enjoy money-saving discounts and personal protection benefits with Ultra Smart Checking^1,2

Ultra Smart Checking^1,2
Account Features

Online and Mobile Banking

Mobile Wallet

eStatements

Mobile Check Deposit

Instant Issue Debit Mastercard^®

Allpoint^® Surcharge-Free⁵ ATMs

Bill Pay

Zelle^®

Debit Card Controls

Two-Way Text Alerts

Free Gift^*

Only $8 a month - to avoid the fee, maintain $2,500 minimum daily balance for every day of the statement cycle period

¹Minimum deposit of $25. Customer purchases checks. Monthly maintenance fee is $8.00. The monthly maintenance fee will be waived if $2,500 minimum daily balance is maintained for every day of the statement cycle period. ²Other fees such as insufficient funds, overdraft privilege fee, continuous overdraft fee, etc. may apply. See fee schedule for details. *Value of free gift may be reportable as interest on 1099-MISC form. Free gift provided at the time of account opening. **Participating merchants on BaZing are not sponsors of the program, are subject to change without notice, may not be available in all regions, and may choose to limit deals. ³Subject to the terms and conditions detailed in the Guide to Benefits. ⁴Insurance products are NOT A DEPOSIT, NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. MAY LOSE VALUE. ⁵No surcharge fees at Ulster Savings and Allpoint ATMs applies to Ulster Savings cardholders only. Fees may apply at other ATM locations.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Shopping and dining from local stores and restaurants^**

Nationwide travel, hotel, recreation, and entertainment savings

Savings on prescriptions, vision, and hearing aids

Cell phone protection - up to $800^3,4

Roadside assistance - 24/7, up to $80

$10,000 travel accidental death insurance^3,4

$2,500 personal identity theft benefit^3,4 and identity restoration

Payment card fraud resolution

Buyer’s protection and extended warranty³

Use the BaZing app to save money on the things you're already paying for.

Smart banking tools: