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Personal Checking Accounts

Banking for Individuals

checking simplified for your life


  • 24/7 access with online and mobile banking
  • Free online bill pay
  • Debit card for everyday purchases
  • Free Person-to-Person Fund Transfers
  • QuickView Emails to stay on top of account activity
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MINIMUM BALANCE TO AVOID MONTHLY FEE $10,000 daily minimum balance combined in related checking, savings, money market, CD/IRA, trust and investment accounts None
EARNS INTEREST blue check mark
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  • First Order
  • Customers age 55 or better
Customers age 55 or better
FREE ATMS 1 Univest & Allpoint Univest
NON-UNIVEST ATM FEE 1 $0 $1.50 per transaction
$10 OVERDRAFT FORGIVENESS 2 blue check mark
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MONEY MANAGER SWEEP FEE 4 $0 $8 per sweep
0.25% LOAN RATE DISCOUNT 5 blue check mark
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DISCOUNT ON LIFELOCK ® IDENTITY THEFT PROTECTION 6 Video play button blue check mark
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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 day, you will not incur any overdraft item fees for that day.
  3. Courtesy overdraft limits are available on new personal checking accounts 30 days after account opening if the account has maintained a positive balance during the 30 day period. Univest provides the convenience of an overdraft protection service for personal checking accounts. The bank may use discretion when utilizing the courtesy overdraft limit to pay checks, automatic bill payments and recurring debit card transactions up to an authorized limit and reserves the right to return an item as unpaid. ATM and debit card transactions are not covered under the courtesy overdraft limit unless you opt-in to having these transactions paid. Overdraft fees include a $35 fee for each returned or paid item that overdraws the account. Univest does not guarantee the payment of any item or transaction, which includes but is not limited to any transaction which exceeds the authorized limit. The courtesy overdraft limit can be removed at the bank's discretion.
  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 payment from a Univest checking or savings account. The 0.25% loan rate discount excludes mortgages and credit cards.
  6. In order to qualify for this offer, you must have a Univest checking account. An email address is required to enroll in LifeLock Ultimate. May not be combined with any other offer. Offer subject to change without notice. Offer is not available on business checking accounts. Account is subject to approval. A 1099 may be issued. If your checking account is closed for any reason, your LifeLock membership may be terminated. You are not required to enroll in LifeLock to maintain your checking account. Pricing is subject to change. Visit any Univest Financial Center for more information on your total savings or this offer. Discount is based on the account type at time of LifeLock enrollment and will not change if your account type changes.

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