If you intend on accessing an ATM more often or are interested in earning interest, the Gold Checking account might be a good fit. The rates arenâ€™t publicly advertised, so itâ€™s best to call customer service at 877-723-5571 to ask.
You do pay a $5 monthly maintenance fee, but you can get that waived if you maintain a $10,000 minimum daily balance across combined Univest accounts. Other features of the account include your first order of basic checks, a debit card, email alerts, bill pay and mobile banking. If youâ€™re 55 or older, youâ€™ll receive Univest-style checks for free. You also get access to Univest ATMs and over 55,000 surcharge-free ATMs through the Allpoint network.
Like the Blue Checking account, you also get a discount on LifeLock identity theft protection services and a 0.25% rate discount on select Univest loan products. Getting the rate discount requires you to enroll in automatic payments from either your Univest checking or savings account.
You have a few features when it comes to overdrafts. This account comes with courtesy overdraft limits â€” $1,250 to be exact, and it will kick in after 30 days if you maintain a positive balance in that time. Otherwise, you can link a Univest savings or money market account and you wonâ€™t be charged a fee when a transfer is made. If your account is overdrawn by $10 or less, Univest wonâ€™t charge any overdraft fees.
You can open an account by completing an online form in about 10 minutes. Once you enter your personal information such as your name, address and Social Security number, youâ€™ll be asked to fund your new account.