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Business Checking


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Business Advantage Checking

For Openers!
If you are a business owner, look no further than our Business Advantage Checking account. The account is a straight forward approach to business banking and removes the mystery of account fees and makes account reconciliation easier.

Account Activity Charges
The fee structure is tiered based on your debit, credit and deposited item volume for the statement cycle. Your fee may vary from month to month based on your item volume. Debit items include withdrawals from your account made by check, draft or ACH. Credit and deposit items include deposit tickets and items deposited. A minimum opening deposit of $100 is required.

Tier 1= 0 to 10 items $2.50 monthly fee
Tier 2= 11 to 50 items $7.50 monthly fee
Tier 3= 51 to 150 items $15 monthly fee
Tier 4= 151 to 300 items $20 monthly fee
Tier 5= 301 to 600 items $35 monthly fee
Tier 6= 601 to 1000 items $50 monthly fee

*Accounts for national or regional retail stores, public utilities, municipalities, money servicing businesses and accounts with more than 1,000 monthly combined transactions will be placed in the Business Analysis checking. Customers utilizing a cash concentration procedure or a third party cash management service will also be placed in the Business Analysis checking.  

Statements
United Bank uses todayís latest technology in providing you with an imaged statement. Your imaged statement will include an image of each item. You may also choose our E-Statement option that allows 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 at www.UnitedBank.com. Itís convenient and easy to use!

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.

Other Options
Automated Clearing House (ACH), Visa/MasterCard Merchant Services, MasterCard Debit Card and Night Deposit Services are available.


Business Analysis

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
Regulatory Charges Will Apply
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.

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 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 interest 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.

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