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Personal Checking


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Freedom Checking

Freedom Checking is the core checking product that we offer for personal banking. It allows you the freedom to choose the services you want. You may choose to use the account as is, or add on any of our additional features.

For openers:
An initial deposit of $100 is required

The Basics

  • Check Easy Debit Card Included
  • Itemized Statements / E-Statements
  • No Charge at United Bank ATMs AND Rebates of Other Banks' ATM Fees (subject to verification and approval)4
  • Notary and Signature Guarantee
  • 24/7 Telephone BankLine & Account Alerts5
  • Internet Banking - www.unitedbank.com 5
  • Mobile Banking - UB Mobile - www.unitedbankmobile.com5
  • Checks Available at Standard Pricing ($4.95 shipping also applies)
  • Monthly maintenance fee of $5.00 waived if a minimum daily balance of $500 is maintained throughout the statement cycle. The monthly maintenance fee will also be waived for active students and accounts that have a monthly direct deposit.
  • A fee of $10.00 will be assessed if the account is closed within 180 days of opening

Account Extras

  • $10.00 discount toward first year's annual fee on a UB Credit Card
  • $500 Overdraft Privilege1

Options

  • Check Images on Statement: $3.00 per month
  • Electronic Bill Pay Service: $4.95 per month
  • Overdraft Protection - In addition to our Overdraft Privilege, you are able to link a United Bank account or Line of Credit to this account to transfer funds automatically when you exceed your checking account balance.
    Option 1:
    Account to Account transfer: $35.00 annual fee and $5.00 fee per transfer.
    Option 2:
    Overdraft Protection Line of Credit: (subject to credit approval) $35.00 annual fee and $5.00 fee per transfer. Please refer to our Overdraft Protection Disclosure for complete details


Five-Oh Club Checking

5-Oh! Club Checking is the checking account designed for our customers age 50 or older. This account offers the extra tools and benefits that will help make managing your funds easier.

For openers:
An initial deposit of $100 is required.

The Basics

  • No Monthly Service Charge
  • Check Easy Debit Card
  • Imaged Statement / E-statements
  • No Charge at United Bank ATMs AND Rebates of Other Banks' ATM Fees (subject to verification and approval)4
  • Standard Checks Included at No Charge / 50% Discount on Specialty Designs & Styles ($4.95 shipping/handling charge applies)
  • Notary and Signature Guarantee
  • 24/7 Telephone BankLine & Account Alerts5
  • Internet Banking - www.unitedbank.com 5
  • Mobile Banking - UB Mobile - www.unitedbankmobile.com 5
  • Bill Pay (1 transaction required per month to remain active)
  • Up to 3 Official Checks per Month with No Fee
  • A fee of $10.00 will be assessed if the account is closed within 180 days of opening

Extras

  • $500 Overdraft Privilege.1
  • United Bank Classic or Platinum Credit Card (subject to credit approval)
  • Service Charge Waiver - A one-time certificate can be redeemed for $25 toward any United Bank Product or Service - perfect for safe-deposit boxes or loan fees. (expires 90 days from account opening)
  • Interest Rate Certificate - to be redeemed for a one-time .25% increase on any 6 month CD up to $100,000. (expires 90 days from account opening)

Options

  • Overdraft Protection - In addition to our Overdraft Privilege, you are able to link a United Bank account or Line of Credit to this account to transfer funds automatically when you exceed your checking account balance.
    Option 1: Account to Account transfer: $35.00 annual fee and $5.00 fee per transfer.
    Option 2:
    Overdraft Protection Line of Credit: (subject to credit approval) $35.00 annual fee and $5.00 fee per transfer. Please refer to our Overdraft Protection Disclosure for more information.


Select Checking

United Bank's Select Checking is an account that offers a complete package of banking and credit options for customers who manage their finances and want more from their checking account like the ability to earn interest with unlimited withdrawals along with dedicated customer support.

For Openers!
An initial deposit of $2,500 and a 720 Beacon Score is required at account opening.

The Basics 

  • Interest Bearing (Interest rates subject to change daily)
  • Check Easy Debit Card
  • Imaged Statement / E-statements
  • No Charge at United Bank ATMs AND Rebates of Other Banks' ATM Fees (subject to verification and approval)4
  • Notary and Signature Guarantee
  • Dedicated Customer Service Telephone Support
  • Internet Banking AND BillPay - www.unitedbank.com 5
  • Mobile Banking - UB Mobile - www.unitedbankmobile.com 5
  • Standard Checks Included at No Charge ($4.95 shipping fee applies)
  • Monthly maintenance fee of $15 waived with $2,500 minimum daily balance.*
    *Fees may reduce earnings
  • A fee of $10.00 will be assessed if the account is closed within 180 days of opening

Account Extras 

  • $500 Overdraft Privilege1
  • United Bank VISA Platinum Card (eligibility and amount based on credit approval)
  • Personal Line of Credit (amount and interest rate based on credit approval)
  • Service Charge Waiver - A one-time certificate can be redeemed for $25 toward any United Bank Product or Service - perfect for safe-deposit boxes or loan fees. (expires 90 days from account opening)
  • Interest Rate Certificate - to be redeemed for a one-time .25% increase on any 6 month CD up to $100,000. (expires 90 days from account opening)

Options

  • Overdraft Protection - In addition to our Overdraft Privilege, you are able to link a United Bank account or Line of Credit to this account to transfer funds automatically when you exceed your checking account balance.
    Option 1:
    Account to Account transfer: $35.00 annual fee and $5.00 fee per transfer.
    Option 2:
    Overdraft Protection Line of Credit: (subject to credit approval) $35.00 annual fee and $5.00 fee per transfer. Please refer to our Overdraft Protection Disclosure for more information.

Account Subject to Eligibility Criteria for NOW Accounts


Eco-Rewards Checking

United Bank's eco-friendly checking account that pays a high interest yield of 1.51% APY on checking balances up to $25,000. With this product, there is no paper, no mail, no pollution*. an environmentally sound way to bank.

Minimum Requirements

  • Minimum of 12 monthly debit card transactions per statement cycle (excluding ATM withdrawals)
  • Agree to receive monthly statements & notices electronically (sign up through online banking)
  • Minimum of 2 Bill Pay transactions per statement cycle
  • Minimum of 1 direct deposit/automatic draft per statement cycle

Statement cycle/qualification period is from the 16th of the current month through the 15th of the following month. Transaction activity is measured by posted items during the qualification period.

For Openers
An initial deposit of $100 is required.

The Basics 

  • No Monthly Service Charge
  • Check Easy Debit Card
  • E-Statements
  • No Charge at United Bank ATMs AND Rebates of Other Banks' ATM Fees (subject to verification and approval)4
  • 24/7 Telephone BankLine Service & Account Alerts5
  • Internet Banking - www.unitedbank.com 5
  • Mobile Banking - UB Mobile - www.unitedbankmobile.com 5
  • Bill Pay (At least 2 transactions required per statement cycle to earn higher interest rate)
  • Checks available at standard pricing ($4.95 shipping also applies)
  • If monthly requirements are met earnings will be 1.51% APY3 on the portion of the daily balance that is $25,000 or less, earnings will be 0.10% APY3 on the portion of the daily balance that is greater than $25,000. If monthly requirements are not met, earnings will be 0.05% APY3 on the entire daily balance.
  • A fee of $10.00 will be assessed if the account is closed within 180 days of opening

Extras 

  • United Bank Classic or Platinum Credit Card (subject to credit approval)
  • $500 Overdraft Privilege2
  • Service Charge Waiver - A one-time certificate can be redeemed for $25 toward any United Bank product or service - perfect for safe-deposit boxes etc. (expires 90 days from account opening)

Options

  • Overdraft Protection - In addition to our Overdraft Privilege, you are able to link a United Bank account or Line of Credit to this account to transfer funds automatically when you exceed your checking account balance.
    Option 1:
    Account to Account transfer: $35.00 annual fee and $5.00 fee per transfer.
    Option 2:
    Overdraft Protection Line of Credit: (subject to credit approval) $35.00 annual fee and $5.00 fee per transfer. Please refer to our Overdraft Protection Disclosure for more information.

Account Subject to Eligibility Criteria for NOW Accounts


Advantage NOW Account

United Bank's Advantage NOW (Negotiable Order of Withdrawal) account allows you to earn interest on your checking account balance while enjoying unlimited check writing capabilities. It is designed for individuals, sole-proprietors and non-profit organizations.

For Openers!
An initial deposit of $1,500 is required.

The Basics

  • Interest Bearing (Interest rates subject to change daily)
  • Check Easy Debit Card
  • Imaged Statement / E-statements
  • No Charge at United Bank ATMs AND Rebates of Other Banks' ATM Fees (subject to verification and approval)5
  • Notary and Signature Guarantee
  • 24/7 Telephone BankLine & Account Alerts5
  • Internet Banking - www.unitedbank.com 5
  • Mobile Banking - UB Mobile - www.unitedbankmobile.com 5
  • Monthly maintenance fee of $15 waived with $1,500 minimum daily balance.*
    *Fees may reduce earnings
  • A fee of $10.00 will be assessed if the account is closed within 180 days of opening

Extras

  • $500 Overdraft Privilege1
  • United Bank Classic or Platinum Credit Card (subject to credit approval)
  • Interest Rate Certificate to be redeemed for a one-time .25% increase on any 6 month CD up to $100,000. (expires 90 days from account opening)

Options

  • Overdraft Protection - In addition to our Overdraft Privilege, you are able to link a United Bank account or Line of Credit to this account to transfer funds automatically when you exceed your checking account balance.
    Option 1: Account to Account transfer: $35.00 annual fee and $5.00 fee per transfer.
    Option 2:
    Overdraft Protection Line of Credit: (subject to credit approval) $35.00 annual fee and $5.00 fee per transfer. Please refer to our Overdraft Protection Disclosure for complete details.

Account Subject to Eligibility Criteria for NOW Accounts


Gateway Checking

Your Gateway is here! Gateway Checking offers customers with LOW or NO credit or who have had issues managing their accounts a second chance to qualify for a checking account. With proper maintenance of the account, customers may be able to upgrade to another United Bank account after only six months!

For openers:
An initial deposit of $100 is required

The Basics

  • Itemized Statements / E-Statements
  • Notary and Signature Guarantee
  • 24/7 Telephone BankLine & Account Alerts5
  • Internet Banking - www.unitedbank.com 5
  • Mobile Banking - UB Mobile - www.unitedbankmobile.com 5
  • Variety of Check Options Available (customer pays for checks and applicable shipping/handling charges)
  • $10 monthly service charge
  • A fee of $10.00 will be assessed if the account is closed within 180 days of opening

    A debit card is not offered with this account.

Rules and Stipulations
Each item presented against insufficient funds will be returned and the account will be charged $32.50. If items are presented against an insufficient balance more than twice during a month, the account will be subject to closure. No overdraft privilege is available with this account. This account will not automatically be upgraded after six months. See your account officer for consideration.

Options

  • Electronic Bill Pay Service: $4.95 per month


Product Disclosures

1 With Overdraft Privilege we will generally pay your overdraft items up to $500.00 total however, whether your overdrafts will be paid is discretionary and we reserve the right not to pay.  For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. You will be charged our normal overdraft or return item fee currently $32.50 for each item that is presented up to $162.50 per day. Both the amount of the overdraft items and all applicable fees, including but not limited to the overdraft fees, are included in this limit.  All deposits to overdrawn accounts are applied to the negative balance. Overdraft Privilege will be available for all checks written, in-person withdrawals, ACH transactions, preauthorized automatic transfers, internet banking and telephone banking. Overdraft Privilege will not be available for ATM and everyday debit card transactions unless you authorize the bank by completing an ATM/Debit Card Consent Form.

3Interest rate and Annual Percentage Yield (APY) may change without notice.

4Receipts older than 90 days from the withdrawal date will not be eligible for a rebate. Upon receipt and verification, a credit will be given within 10 business days. A maximum of $3.00 will be credited per ATM withdrawal. Rebates will not apply to balance inquiries, denial fees or fees incurred at a gaming facility.

5Standard text and data rate plan charges may apply through your telephone and/or internet service provider.

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