We believe that relationships with our customers are our most important asset and work to provide the best service possible to our customers every day. If we are not already your bank of choice, we hope Bank of Urbana will soon become your life-long financial partner and friend.


Experience the account that's tailored to fit your saving style!

The Usaver account is designed to meet your needs whether you are saving a little or a lot! With interest rates that are tiered to match your average balance, you can be sure that the Usaver is the right savings account for you.

  • 4 interest tiers*
  • No service charge with $100 minimum average daily balance ($15 minimum balance fee is applied if the average daily balance falls below $100)
  • Unlimited Online Banking/Access24 transfers and in-bank withdrawals
  • 6 withdrawals/transfers** per statement cycle
  • $100 minimum average daily balance
  • FDIC insured
  • Credit Reserve available
*tiers determined by average daily balance
**qualifying withdrawals/transfers

Christmas Club

  • No minimum balance to open the account
  • Interest calculated on average daily balance
  • Interest paid annually
  • No service charges
  • No withdrawals, balance in account is mailed by check in November
  • This account is FDIC insured