Bank of Utica offers FREE personal checking that is perfect for everyone. With no minimum balance and no monthly service charges, combined with our free Online Banking and free Mobile Banking, you can bank the way you want to. Our Checking Account also lets you maximize earnings with our high-yield interest rates -- whereas most other banks pay little or no interest.

• Pay no per-check fees
• No monthly service charges
• Make unlimited deposits and
• Write as many checks as you want!

Our reputation for friendly, efficient and experienced customer service makes this account different from other checking accounts you may have used. We offer our customers the following benefits at no cost which are available to you with your personal checking account:

• FREE Online Banking and Bill Payment
• FREE Mobile Banking and Mobile Deposit
• FREE 24/7 Telephone Banking
• FREE VISA Debit Card—*which can be used with a low-interest rate Check Credit line
• FREE ATM Withdrawals at over 55,000 ATMs in the USA and other countries.
• FREE bank-by-mail—we pay the postage both ways
• FREE Direct Deposit
• FREE parking

Our personal checking accounts are really free?there are no gimmicks or fine print!

Check out our enormous range of low and no fee services and products to see how we can meet all your banking needs.

Opening an account with us is Quick and Easy ? you can open by mail, by calling our Personal Banking Department at (315) 797-2700 ext. 264, or apply online and start earning interest today!

For more information, review these account disclosures and learn how we protect your personal information.