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- Business Freedom Checking
- Small Business Checking
- Business Check for Less
- Business Interest Checking
- Business Analysis
Introduction
This is United Bank’s newest account designed for those businesses that have low monthly check writing and deposit activity needs. Business Freedom Checking means saving money and not worrying about paying for things you don't want or need!
For Openers!
An initial deposit of $100 is required.
Account Activity Charges
Free of monthly maintenance fee
All debit items over 25 will be charged $.25 per item. Debit items are withdrawals from your account made by check, draft, transfer, or ATM transactions.
Statements
United Bank uses today’s latest technology in providing you with an imaged statement. Your imaged statement will include an image of each item. Images are obtainable in CD-ROM format and United Bank now offers e-Statements that allow you to view an electronic image of your monthly statement through a secured internet link.
Check Orders
Select from a wide variety of business checks and other necessary supplies.
Prices vary by design and type.
Internet Banking
Bank online 24 hours a day, 7 days a week. It's convenient, easy to use, and free! You may access your United Bank accounts via the internet at www.unitedbank.com. Enroll today at www.unitedbank.com.
Advantage 24 BankLine
You may also use our 24 hour a day automated BankLine by dialing 251-368-7979 or 800-861-8752. Information is available 24 hours a day, seven days a week. You can access the Advantage 24 BankLine by keying in your account number along with your PIN number. This service gives you the ability to obtain information about your United Bank accounts, transfer funds between your accounts, check current interest rates and listen to community announcements.
Other Options
Automated Clearing House (ACH), Visa/MasterCard Merchant Services, Electronic Federal Tax Payment System (EFTPS), Night Deposit Services are available.
ATM Features
United Bank has several convenient ATM locations for you to withdraw funds from checking or savings, transfer funds between your United Bank accounts, and check current balances. As an added advantage, we will rebate ATM fees that other banks charge. All rebates are subject to verification and approval. Please refer to our "Advantage 24 ATM Locations" sales piece for complete details.
For Openers!
If you own a small business with its own tax payer identification number this account deserves a close look. It has a minimal monthly fee that is fixed and easy on your bookkeeping. The monthly fee can be waived with a daily balance of $10,000 or more. Small Business Checking qualifies the owners for special discounts on our Business Visa Credit Card and SBA Express Loans. We also offer imaged statements on a CD-ROM for easy space savings storage. An initial deposit of $100 is required.
Account Activity Charges
Monthly Maintenance Fee - $20.00
Monthly maintenance fee can be waived with a daily balance of $10,000 or more.
All debit items processed over 250 will be charged $ .20 per item. No charge for credit items!
Imaged Statement
United Bank uses today's latest technology in providing you with an imaged statement. Your statement will consist of a detailed listing of all transactions, along with an image of each check in numerical order. As an additional service, you may select the size of each image.
Check Order
Select from a wide variety of business checks and other necessary supplies.
Prices vary by design and type.
Internet Banking
Bank online 24 hours a day, 7 days a week. It's convenient, easy to use, and free! Enroll today at www.unitedbank.com.
Advantage 24 BankLine
You may access your United Bank accounts by dialing 368-7979 or 1-800-861-8752. Information is available 24 hours a day, seven days a week. You can access the Advantage 24 BankLine by keying in your account number along with your PIN number and the last 4 digits of your SSN or Tax ID. This service give you the ability to obtain information about your United Bank accounts, transfer funds between your accounts, check current interest rates and listen to community announcements.
Other Options
Automated Clearing House (ACH) origination/receiving, Visa/MasterCard Merchant Services, Visa Payment Card, Electronic Federal Tax Payment System (EFTPS), Night Deposit Services, Retirement plans, Federal Tax Depository, and Night Depository.
For Openers!
If you have a small business with low transaction volume, this account is economical and it takes the guesswork out of account service charges with a low $10 per month maintenance fee. If you maintain a daily balance of $3,000 the monthly fee will be waived. An initial deposit of $100 is required.
Account Activity Charges
Monthly maintenance fee of $10.00
All debit items over 150 will be charged $.20 per item.
A $3,000 daliy balance will waive the monthly maintenance fee of $10.00
Imaged Statement
United Bank uses today's latest technology in providing you with an imaged statement. Your imaged statement will include an image of each item.
Check Orders
Select from a wide variety of business checks and other necessary supplies. Prices vary by design and type.
Internet Banking
Bank online 24 hours a day, 7 days a week. It's convenient, easy to use, and free! Enroll today at www.unitedbank.com.
Advantage 24 BankLine
You may access your united Bank accounts by dialing 251-368-7979 or 1-800-861-8752. Information is available 24 hours a day, seven days a week. You can access the Adavantage 24 Bankline by keying in your account number along with your PIN number and the last 4 digits of your SSN or Tax ID. This service gives you the ability to obtain information about your United Bank accounts, transfer funds between your accounts, check current interest rates and listen to community accouncements.
Other Options
Automated Clearing House (ACH) origination/receiving, Visa/MasterCard Merchant Services, Visa Payment Card, Electronic Federal Tax Payment System (EFTPS), Night Deposit Services, Retirement plans, Federal Tax Depository, and Night Depository.
For Openers!
Business Interest Checking is an interest-bearing account for businesses that want to earn more on their daily transactional account. Interest is credited to the account monthly. Service fees on the account are based on the analysis method and a monthly service fee is assessed only if the cost of services provided exceeds the earnings allowance for the balance maintained.
Account Activity Charges
- An initial deposit amount of $100 is required.
- All debit items processed will be charged .25 per item.
- All credit items processed will be charged .07 per item (transit items will be charged .10 per item)
- Deposits will be charged .10 each.
- FDIC insurance fee will be charged at a rate of 14 basis points calculated on the average ledger balance.
- Monthly Service Fee - $32.50
** An earnings credit calculation is done each month on the average collected balance. This calculation gives your account credit for deposits made to your account and can offset your monthly maintenance fee.
**The fee for any deposited items that are returned will be included in the Analysis charge.
Statements
When it comes to your monthly statement, you have several options. You can receive a standard itemized statement by mail or you may choose to have an archived statement, complete with check images, sent to you each month on CD ROM. We also offer the convenience of free e-statements you can view monthly online.
Check Orders
Select from a wide variety of business checks and other necessary supplies. Prices vary by design and type.
Internet Banking
Bank online 24 hours a day, 7 days a week. It's convenient, easy to use, and free! Enroll today at www.UnitedBank.com or call 800-423-7026 for our internet department..
Advantage 24 BankLine
Take advantage of our 24 hour automated BankLine by dialing toll-free 800-861-8752. With your account number and PIN, you can obtain information about your United Bank accounts, transfer funds between your accounts, check current interest rates and listen to community announcements.
ATM Features
United Bank has several convenient ATM locations for you to withdraw funds from checking or savings, transfer funds between your United Bank accounts, and check current balances. As an added advantage, we will rebate ATM fees that other banks charge. All rebates are subject to verification and approval.
For Openers!
Business Checking is popular among business accounts with average-to-heavy monthly transaction levels. The pricing for this account is based on the analysis method and a monthly service charge is assessed only if the cost of services provided exceeds the earnings allowance for the balance maintained. An initial deposit amount of $100 is required.
Account Activity Charges
Monthly Maintenance Fee - $32.50
All Debit items processed will be charged $ .25 per item.
Deposits - $0.10 each
On-Us Credit Items - $0.07 per item
Transit Credit Items - $0.10 per item
Return Deposited Items - $5.00 per item
FDIC Insurance 0.14% Annually
An *earnings credit calculation* is done each month on the average collected balance. This calculation gives your account credit for deposits made to your account and can offset your monthly maintenance fee.
Imaged Statement
United Bank uses today's latest technology in providing you with an imaged statement. Your statement will consist of a detailed listing of all transactions, along with an image of each check in numerical order. As an additional service, you may select the size of each image.
Check Order
Select from a wide variety of business checks and other necessary supplies.
Prices vary by design and type.
Internet Banking
Bank online 24 hours a day, 7 days a week. It's convenient, easy to use, and free! Enroll today at www.unitedbank.com.
Advantage 24 BankLine
You may access your United Bank accounts by dialing 368-7979 or 1-800-861-8752. Information is available 24 hours a day, seven days a week. You can access the Advantage 24 BankLine by keying in your account number along with your PIN number and the last 4 digits of your SSN or Tax ID. This service give you the ability to obtain information about your United Bank accounts, transfer funds between your accounts, check current interest rates and listen to community announcements.
Other Options
Automated Clearing House (ACH) origination/receiving, Visa/MasterCard Merchant Services, Visa Payment Card, Electronic Federal Tax Payment System (EFTPS), Night Deposit Services, Retirement plans, Federal Tax Depository, and Night Depository.
*The earnings credit is calculated on the average available collected balance less the 10% reserve requirement. The rate used for the earnings credit is the monthly average of the 13-week Treasury Bill rate less 1/4 of 1% for FDIC costs.
| NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov. NOTICE: United Bank is not responsible for and has no control over
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