Build a smarter foundation with Bank Everyday Checking

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Callout from the mobile app showing checking transactions with the monthly maintenance fee waived

Start with $0 Monthly Maintenance Fee 1

$12 Monthly Maintenance Fee 1 automatically waived for the first two months when you open a Bank Everyday Checking account.

After that, most people continue to pay $0 by meeting just one of the following requirements:

  • $1,500 minimum account balance 2
  • Monthly direct deposits totaling $1,500+
  • Account owner age 13-24 or 65 and over, military personnel or qualify for one of our customer groups
Additional ways to waive fees below

Secure, reliable access to your money anytime, anywhere.

4,000+ no-fee Union Diamond Bank ATMs 78

Zero fraud liability 10

Zelle® to send or receive money fast 9

FDIC insured funds 11

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Callouts of Smart Rewards benefits

Extra perks from your first deposit with Smart Rewards

You're automatically enrolled in our tiered rewards program with Bank Everyday® Checking — cash-back deals 12, fee waivers, relationship rates and more perks that multiply as your balances grow.

Learn more about rewards

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One location to easily manage all your accounts

Get financial clarity—track spending, monitor spending, set alerts, and avoid surprises with the Union Diamond Bank Mobile App.

Maximize your money
by bundling Smartly.

Open a Bank Everyday® Checking and Bank Everyday® Savings account together to turn every dollar into a step forward. Apply for both in under 5 minutes with just $25.

Open checking + savings together Learn about Bank Everyday Savings

Higher yields

Unlock higher interest rates 13 on your Bank Everyday® Savings.

Save on fees

Waive your Bank Everyday® Savings $5 Monthly Maintenance Fee. 14

Added benefits

Perks grow as your balances grow including bank discounts, cash-back offers and more.

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Photo of the Greenlight debit card

Smart money habits start early

With Bank Everyday® Checking, the Greenlight15 account for kids is complimentary—a $69 annual value. They learn money smarts with their own debit card, while parents stay in control.

Learn about Greenlight

Flexible everyday checking with built-in safeguards

What you need to waive the Monthly Maintenance Fee

For newly opened Union Diamond Bank Everyday Checking accounts, the $12 Monthly Maintenance Fee is waived for the first two statement periods. Extend waivers with any one of the following:

Average account balance is $1,500 or greater 2

Combined monthly direct deposits total $1,500+

Own or open a Union Diamond Bank Everyday™ Visa Signature® Credit Card 3

Smart Rewards® Gold Tier, Platinum Tier and Platinum Plus Tier

Member of the following eligible customer groups:

  • Age 13-24
  • Age 65 and over
  • Member of the military
  • Workplace-Financial Wellness Program
  • Union Diamond Bank Global Transition Solutions

Own or open an eligible Union Diamond Bank Small Business Checking account 4

How to avoid overdraft fees

Overdraft Protection - Enroll and link to another Union Diamond Bank account to pull funds if you go over with no Overdraft Protection Transfer Fees.5

Union Diamond Bank Overdraft Fee Forgiven program - Waive the fee when you make a qualifying deposit(s).6 And if eligible, you'll get extra time to bring your account positive without incurring an Overdraft Paid Fee.

Enroll in account alerts such as low balance alerts, Overdraft protection, deposits posted and more to keep you more in control.

How to open a Bank Everyday Checking account.

Apply online in under five minutes with a minimum opening deposit of $25 to activate your account (once you've been approved). Your initial deposit can be made using a credit or debit card, a transfer from another account at Union Diamond Bank or a transfer from another financial institution.

Switch your direct deposit in minutes with our do-it-yourself automated setup.

You can also visit any Union Diamond Bank branch to open a checking account. Personal details such as a valid government ID are required, but you can call a Union Diamond Bank representative at 855-605-1871 to confirm.

Open an account

Common questions about checking accounts


Account benefits and basics

Union Diamond Bank Everyday® Checking is a strong option for those who want an interest-earning1617 checking account with robust digital banking tools, valuable Smart Rewards® benefits, and flexibility. The account offers multiple ways to waive the monthly maintenance fee and opportunities to earn more through relationship-based rewards, making it a smart choice for everyday banking.

Not all checking accounts earn interest, but some do. The Union Diamond Bank Everyday® Checking Account is an interest-bearing checking account with tiered interest rates based on your daily balance.2 View our current checking account interest rates.

Interest rates on checking accounts are typically very low across the industry, as these accounts are designed for everyday spending and easy access to your money rather than long-term savings.

For example, the FDIC national average for interest-bearing checking accounts has remained near zero for several years.

While interest earnings may be minimal, checking accounts provide important benefits like secure access to your funds and FDIC insurance up to $250,000 per depositor, per insured bank, for each account ownership category.11

An interest-bearing checking account can be a good option if you want to earn a small return while keeping your money readily available for daily use. If you're looking to earn more on your balance, you may also consider pairing a checking account with a savings account which can help you manage everyday spending while setting money aside for savings goals.

For seniors, we recommend our Bank Everyday Checking account. As a member of one of our customer groups, Seniors (age 65 and over) are automatically eligible for additional services and bank rewards tailored to meet their needs.

Opening your account

The minimum deposit to open an account is $25.

Yes. Simply select the Joint option when applying online. At the end of the application, you'll be able to select Yes to add a co-applicant and provide their name, email and phone number. If applying in a branch, all joint owners must be present.

Union Diamond Bank makes it easy to open a checking account for teens and young adults, with options designed for different ages and levels of independence.

Learn about teen checking (ages 13-17) Learn about checking for young adults and students (ages 18-24)

Everyday access and features

Average daily balance is calculated by adding your ending balance for each day in the statement period and dividing by the number of days in that period.

Yes. Request a Union Diamond Bank Visa® Debit Card at account opening or after account setup. Once you've signed up for digital banking, you can access your digital debit card as you wait for your physical card to arrive in the mail. Be sure to activate your physical card upon receipt.

Yes. Our Union Diamond Bank Everyday® Checking Account gives you the option to use your account with or without checks. If you prefer a checking account with checks, you may place a check order when you open your account. Your initial order will have a 50% discount. Seniors 65 and over and Military can also receive 50% off reorders.18

Yes. Bank Everyday® Checking offers multiple ways to waive overdraft fees.

With overdraft protection,5 you can link eligible accounts so that funds are transferred to your checking account if a check, debit card or ATM transaction exceeds the Available Balance in your account.

Our Overdraft Fee Forgiven6 program is your backup plan when your available balance is overdrawn $50.01 or more. Get your Overdraft Paid fee waived when you make a qualifying deposit(s) to bring your Available Balance to at least $0 before 11 p.m. ET on the day you are charged the fee.

You can set up overdraft protection by linking an eligible Union Diamond Bank deposit account or line of credit so funds can automatically transfer if your checking balance is exceeded. Set transfer preferences in the Union Diamond Bank Mobile app or through online banking following these steps:

  1. Log in to the Union Diamond Bank mobile app or online banking.
  2. Go to overdraft protection settings.
  3. Select and link the preferred account to use.
  4. Confirm your selection.

Let's connect

Explore locations

Find the Union Diamond Bank branch nearest you.

Log in to your account(s)

Manage your banking needs on the go, anytime, anywhere.

Call +1 323 673 4878

Call us and a representative will be happy to help you.

Make an appointment

Schedule a virtual or in-person meeting with a business banker.