Ulster Savings WILL NEVER text or send you an email with a request to click on a link to verify a transaction.
Ulster Savings WILL NEVER call you to ask you for any part of your debit card number.
Please be diligent with your personal information. Learn more about fraud prevention and online safety.

Smart Start Checking

Our Smart Start Checking account is a free¹ account 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 a 10 module playlist in our online financial education center. After you have fully completed all 10 short 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.

Online and Mobile Banking - Access your accounts anywhere, anytime.
Mobile Wallet - Pay quickly and conveniently with your mobile device.
E-Statements - Skip the paper statement and go green.
Mobile Check Deposit - Deposit checks with the app on your smartphone.
Surcharge-Free² ATMs - Access to over 55,000 Surcharge-Free² ATMs worldwide.

FREE² Zero Liability³ Debit Mastercard®
Debit Card Controls - Manage your debit cards in your online banking portal.
Two-Way Text Alerts - Receive real time text messaging to confirm or deny suspicious transactions.
$10 refund per month for out-of-network ATM fees
Early Direct Deposit

¹ Minimum opening deposit of $25. 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. ² No surcharge fees at Ulster Savings and Allpoint ATMs applies to Ulster Savings cardholders only. Fees may apply at other ATM locations. ³ Certain restrictions, terms, and conditions apply. Contact 1-800-Mastercard for more details.

24/7 Debit Card Support: 866-440-0392
Calls from 800-262-2024 are from our fraud monitoring provider Enfact.

By selecting an external link while on www.ulstersavings.com you will leave the Ulster Savings Bank website and link to a non-affiliated third-party website that may offer a different privacy policy and level of security. You should consult the linked site(s) for further information. The third party is responsible for website content and system availability of their site.Ulster Savings Bank does not endorse, insure, guarantee or warrant any product or service available on a third-party website.