ESPAÑOL LOCATIONS RESOURCES SUPPORT 1-866-440-0391 EMAIL US ROUTING # 221971264 Personal Business Community Why US Search Online Banking Login Student Banking Jump to Minor Savings Jump to Student Smart Start Jump to Student Investor Jump to Rewards for Good Grades Jump to Swipe and Save Our Student Banking products offer students from pre-school to college, the opportunity to learn the importance of developing good savings and investing habits, as well as the sense of independence that comes with accumulating money for their personal use. Ulster Savings Bank is committed to supporting early money management skills. We are actively involved with local student saver programs at schools throughout the Hudson Valley. If your school participates, a school representative will pick up and deposit any monies for the student(s) on a designated day, usually first thing in the morning. The school representative will then promptly return receipts to the student. Minor Savings Account In today's world, it’s critical to start good savings and investing habits at an early age. This account is created exclusively for students of elementary to high school age and teaches children the benefits of saving, while making it fun and enjoyable. A $5 minimum deposit Receive statements quarterly. Students can sign up for online banking Interest will be earned on balances of $5 or more Withdrawals can be made at any of Ulster Savings Bank's convenient branch locations. Interest Rates Locations Smart Start Checking Our Smart Start* Checking account is specifically designed for students between the ages of 13 and 17 years old with a parent/guardian joint owner. Get $25** deposited into your account when you complete 10 short modules in our online financial education center. After you have fully completed all 10 modules, you will be able to download a certificate. Please deliver this certificate to the bank by mail, email, or in person when you open your new account to receive your $25 deposit. Ask an account representative at time of account opening for additional details. No minimum balance No monthly service charge Unlimited check writing Debit Mastercard $10 refund per month for out-of-network ATM fees Go to Playlist Mobile Banking Student Investor Checking Our Student Investor* checking is specifically designed for today's college student. You can open an account online or in person at any of our 14 locations. Some features and benefits of a checking account with US include: FREE first set of checks (select styles) No minimum balance required No monthly service charge Only $25 minimum opening deposit $10 refund per month for out-of-network ATM fees If you are going to college in the Hudson Valley, you will find Ulster Savings Bank branches near most of the colleges in the area. ATMs are also located on campus at both SUNY Ulster Community College and SUNY New Paltz. Our membership in the Allpoint network gives you access to over 55,000 Surcharge-Free^ ATMs worldwide! In the event you don’t use an Ulster Savings or Allpoint Network ATM, we will refund you up to $10 of ATM fees and surcharges per month on your debit card. Open an Account Online Banking Tour Refer a Friend Rewards for Good Grades Students enrolled in the Minor Savings and/or the Smart Start Checking, with a B average or better, can receive a $2 deposit into their savings account each report card period! You can earn up to $8 each year. Just stop by any branch location and show US your report card. Locations Swipe and Save Enroll in our Swipe and Save Program and round up your debit card purchases to the nearest dollar and transfer the difference to a statement savings account. Get started saving. It's as easy as 1, 2, 3! Enroll. Stop by a branch and enroll in a USB checking account with a debit card and connect it to a USB statement savings account of your choice. Shop. Use your debit card for everyday purchases and spend like you normally would. Save. Your purchases will be rounded up to the nearest dollar and the change will be transferred from your USB checking account to your USB statement savings account. Open an Account *Customer purchases checks after first free set. Other fees such as insufficient funds, overdraft privilege fee, continuous overdraft fee, etc. may apply. See fee schedule for details. **Ask an account representative at time of account opening for details. Account credit is reported on a 1099-INT as interest earned. ^No surcharge fees at Ulster Savings and Allpoint ATMs applies to Ulster Savings cardholders only. Fees may apply at other ATM locations. Open an Account Apply for a Mortgage Find a Location Pay Loan Support Money Smart PRODUCTS AND SERVICES Personal Banking Business Banking Insurance Investments Tax Preparation Payroll RESOURCES Workshops Promotions Financial Education Calculators WHY US Our Story Community Careers 1-866-440-0391 PRIVACY SECURITY FEE SCHEDULES ACCESSIBILITY AVAILABILITY OF FUNDS © 2021 Ulster Savings Bank 180 SCHWENK DRIVE | KINGSTON, NEW YORK 12401 EQUAL HOUSING LENDER MEMBER FDIC|NMLS# 619306 Facebook LinkedIn Twitter Instagram YouTube Investment, Tax, Payroll and Insurance products and services available through Ulster Insurance Services Inc. and Ulster Financial Group, Inc., subsidiaries of Ulster Savings Bank are NOT FDIC INSURED.