Introduction

Minimum Requirements

• Minimum of 12 posted debit card transactions per statement cycle
  (excluding ATM withdrawals)
• e-Statements/e-Notices
• Active internet banking
• Minimum of 2 Bill Pay transactions per statement cycle
• Minimum of 1 direct deposit/automatic draft per statement cycle

For Openers! An initial deposit of $100 is required.

Features

• No monthly service charge
• No minimum balance requirement
• No per check fee
• Free Check Easy debit card
• Free internet banking - www.unitedbank.com
• Free Bill Pay (2 transactions required per statement cycle)
• Free United Bank ATM usage and rebates of other banks' ATM fees up to
  $2.50 (subject to verification and approval)
• Free Telephone Bank Line 24 hours a day 7 days a week
• 1st order of checks free
• Free $500 overdraft privilege, after a 60 day review
• If monthly requirements are met and account balance is $25,000 or less,
  earnings will be 4.01% APY* on daily balance.
• If monthly requirements are met earnings will be 1.00% APY* on portion of
  balance greater than $25,000
• If requirements are not met, account will earn 0.25% APY* on total balance
  Optional
• Overdraft Protection is available for this account. You may choose to
  transfer funds from existing accounts or from a United Bank overdraft line
  of credit**

For additional help please contact us at ecorewards@ubankal.com or (800)423-7026.

*Interest Rate and Annual Percentage Yield may change without notice
**Subject to credit approval