Now offering up to 4.00% p.a. interest on savings accounts.
Learn more about itInfo@ucassettrust.com
Updates:
Get More From Shared Banking
Manage money together, with transparency and flexibility.
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Easy Joint
Account Opening -
Smart Controls for
Each Holder -
Zero Hidden
Fees -
Earn Rewards
Together
Why Choose
A Joint Account?
Combine finances with confidence and clarity.
A joint account from UC Bank is designed for partners, spouses, family members, or business co-holders who want to manage shared finances with ease. Whether it’s for household expenses, savings goals, or planning
a major purchase together, a joint account offers convenience, control, and transparency.
Key Benefits:
- Dual or Multiple Access: Operate the account jointly or individually, based on your chosen mandate (Either/Survivor, Jointly, etc.).
- Consolidated Statements: Track transactions from all account holders in one unified view.
- Custom Alerts & Controls: Receive updates on activity and set limits or approvals if needed.
Plan Together
Save Together
UC Bank Joint Accounts empower partners, families, and business co-owners to work toward shared financial goals.
84% of joint
account holders reached their savings targets in 2021 — thanks to automated tools, dual-access banking, and personalized support.
Joint Account Features & Benefits
Designed for collaboration, built for flexibility.
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Multiple Account Holders
Open a joint account with up to four individuals, ideal for spouses, parents and children, or business partners.
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Real-time Transaction Alerts
Stay informed about every deposit, withdrawal, or payment made from the account.
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Unified Banking Access
All account holders get access to online banking, mobile banking, debit cards, and account alerts.
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Flexible Operation Modes
Choose how the account is managed
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Nomination Facility
Add a nominee to ensure smooth transition in case of unforeseen events.
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Free Monthly Statements
Receive comprehensive monthly e-statements sent to all registered email addresses.
Eligibility to
Open a Joint Account
Who can apply for a UC Bank Joint Account?
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1
Individuals & Entities
- Resident individuals
- Sole proprietors
- Partnerships
- Private and public limited companies
- Trusts, associations, and societies
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2
Age Requirement
- Applicants must be 18 years or older
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3
Valid Documentation
- Identity and address proof (per KYC norms)
- Business registration documents (where applicable)
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4
Initial Deposit
- Minimum opening balance requirements vary by account type
Account Interest & Charges
Simple, transparent, and designed to suit shared banking needs.
Account Interest Rates
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Balance Slab
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Interest Rate
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Debit Card Features |
Service
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Fee
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Additional Services |
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Frequently Asked Questions
Find quick answers to the most common questions about our banking services.
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What is the minimum balance required?
Most accounts require a minimum daily balance of $100. However, our Student and Basic Savings Accounts have no minimum balance requirement.
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How long does it take to open an account?
Account opening typically takes less than 5 minutes online, provided all documents are submitted correctly and pass verification.
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What documents do I need to open an account?
You’ll need a government-issued photo ID, proof of address (like a utility bill or bank statement), and a recent passport-sized photo.
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Is online banking available for all accounts?
Yes. UCBANK accounts come with secure online and mobile banking access to manage your funds anytime, anywhere.
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Are my funds insured?
Yes. All deposits are insured up to the applicable limit by the Federal Deposit Insurance Corporation (FDIC) or equivalent national deposit insurance scheme.
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