Use your UCNB debit card to earn even higher rates! Just by using 15 debit card transactions per month, direct deposit and E-statement, you will earn our highest interest rates on your checking balance, $2,500 Identity Theft Protection, Payment Card Protection and Identity Guard®. You get free checks and up to $10 in non-UCNB ATM fees waived on a monthly basis when you qualify for the higher interest rate. You also get free Online Banking with Bill Pay and great discounts on dining, travel, recreation, prescriptions and much more! The fee is only $5 per month, which is waived if you use 25 debit card transactions per month!