Pure Gold Checking
For customers who maintain higher balances in a variety of
Univest accounts/services and want additional benefits.
Checking Account Features:
- $100 minimum to open
- Requires $20,000 daily minimum balance
combined in related checking, savings, money
market or CD/IRA balances
- Monthly service fee of $5 if balance requirements are not
met
- Earns interest
- First order of safety paper checks is free
- Free ATM usage 1
- $10 Overdraft forgiveness 2
- Courtesy personal overdraft limit of
$1,250 3
- Free Money
Manager sweeps 4
- 0.25% Loan rate discount 5
Additional Checking Account Features/Benefits:
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1 This does not include surcharges imposed from
other financial institutions or third-party vendors.
2 If your account is overdrawn by $10 or less
after all transactions have been posted for the business day, you
will not incur any overdraft item fees for that day.
3 Overdraft limits apply to all checking
accounts with standard overdraft protection. The standard overdraft
protection service provided to all checking accounts covers checks,
automatic bill payments, online banking payments and recurring
debit card transactions at our discretion regardless of the funds
that exist in the account. ATM and debit card transactions are not
covered under the standard overdraft protection service and will
only be covered if you opt in to this additional coverage. By
opting in, you authorize Univest to include coverage of ATM and
everyday debit card transactions when there are insufficient funds
in your account. You may opt out of this service at any time by
contacting your local Univest Financial Service Center. By opting
out, you can still overdraw your account and incur fees through
checks, automatic bill payments, online banking payments and
recurring debit card transactions. Overdraft limits will be
available to all checking accounts in good standing through checks,
automatic preauthorized debits and withdrawals at teller windows.
Overdraft limits can be applied to ATM and debit card transactions
when customers have opted in to having those transactions covered
through the overdraft protection service. Although you will
be able to access your limit through the ATM your available balance
will not include your overdraft limit on your receipt or balance
inquiry. Overdraft fees only apply when the overdraft
protection service is used. Fees include a $35 per item fee. After
15 consecutive calendar days with a negative balance a notification
will be sent to the customer requesting payment and will recommend
they contact the bank to discuss and set up a payment plan. If
after 30 consecutive calendar days the account has not been brought
to a positive balance the customer will be notified that the
account will be closed in 10 calendar days.
4 Link your accounts with this overdraft protection
service to avoid overdrawing your account. Each sweep will count
towards the maximum number of 6 transfers and withdrawals per month
from your savings and/or money market account per government
requirements.
5 Requires automatic payments from a Univest
checking or savings account.