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Personal Checking

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Val U Checking

Packed with benefits, Val U Checking combines the best of traditional banking with tools and discounts designed to help with everyday life.

Account Features

  • Check Easy Debit Card with Fraud Protection Included
  • Online Banking and Online BillPay Included1
  • Dedicated Smartphone App with Mobile Check Deposit ($2 Per Deposit)1 Search "United Bank Atmore" in App Store or Google Play Store
  • Itemized Statements Included and E-Statements Available
  • No Charge at United Bank ATMs AND Rebates of Other Banks' ATM Fees (subject to verification/approval)
  • 24/7 Telephone BankLine Service & Account Alerts by Dialing (800) 861-8752)
  • Monthly Maintenance Fee of $5

Val U Benefits

  • Cell Phone Protection*
  • Roadside Assitance*
  • $2,500 Personal Identity Restoration Benefit*
  • Identity Theft Assistance*
  • Shopping and Dining Discounts from Local and National Retailers
  • Nationwide Travel, Hotel, Recreation and Entertainment Discounts
  • Savings on Prescriptions, Vision and Hearing Aids
  • $10,000 Travel Accidental Death Insurance*
  • Receive a Registration Code at Account Opening to Activate your Val-U Checking Benefits

*Insurance products are subject to additional terms and conditions and are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT IN-SURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.

Extras

  • $500 Overdraft Privilege Available 2
  • 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.


Val U Checking Plus

A relationship account that earns interest while giving you the best features from our Val U Checking Family.

Account Features 

  • Check Easy Debit Card with Fraud Protection Included
  • Online Banking and Online BillPay Included1
  • Dedicated Smartphone App with Mobile Check Deposit ($2 Per Deposit)1
  • Itemized Statements Included and E-Statements Available
  • No Charge at United Bank ATMs AND Rebates of Other Banks' ATM Fees (subject to verification/approval)
  • 24/7 Telephone BankLine Service & Account Alerts by Dialing (800) 861-8752)
  • Monthly Maintenance Fee of $15 Can be Avoided by Keeping a $2,500 Minimum Daily Balance

Val U Benefits 

  • Cell Phone Protection*
  • Roadside Assistance*
  • $2,500 Personal Identity Restoration Benefit*
  • Identity Theft Assistance*
  • Shopping and Dining Discounts from Local and National Retailers
  • Nationwide Travel, Hotel, Recreation and Entertainment Discounts
  • Savings on Prescriptions, Vision and Hearing Aids
  • $10,000 Travel Accidental Death Insurance*
  • Receive a Registration Code at Account Opening to Activate your Val-U Checking Benefits

*Insurance products are subject to additional terms and conditions and are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT IN-SURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.

Extras

  • $500 Overdraft Privilege Available 2
  • 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.


60+ Plus Checking

Designed for the mature customer looking for more from their daily account. 60+ Plus Checking offers a list of complimentary features including checks, online banking and bill pay.

Account Features 

  • Check Easy Debit Card with Fraud Protection Included
  • Online Banking and Online BillPay Included1
  • Dedicated Smartphone App with Mobile Check Deposit ($2 Per Deposit)1 Search "United Bank Atmore" in App Store or Google Play Store
  • Itemized Statements Included and E-Statements Available
  • No Charge at United Bank ATMs AND Rebates of Other Banks' ATM Fees (subject to verification/approval)
  • Notary and Signature Guarantee Available
  • Unlimited Check Writing
  • Standard Wallet Checks Included ($4.95 shipping also applies)
  • Monthly Maintenance Fee of $2 Can be Avoided by Keeping a $60 Minimum Daily Balance

Extras 

  • Includes Limited Local Shopping and Online Discounts. Activation Code Provided at Account Opening
  • $500 Overdraft Privilege2
  • 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.


Hometown Checking

Hometown Checking offers the simplicity you look for in a daily account with the convenience and features needed to manage your money.

Account Features

  • Check Easy Debit Card with Fraud Protection Included
  • Online Banking Included and Online BillPay Available for $4.95 per month1
  • Dedicated Smartphone App with Mobile Check Deposit ($2 Per Deposit)1 Search "United Bank Atmore" in App Store or Google Play Store
  • Itemized Statements Included and E-Statements Available
  • No Charge at United Bank ATMs AND Rebates of Other Banks' ATM Fees (subject to verification/approval)
  • Notary and Signature Guarantee Available
  • 24/7 Telephone BankLine Service & Account Alerts by Dialing (800) 861-8752
  • Monthly Maintenance Fee of $6 Can be Avoided by Keeping a $600 Minimum Daily Balance

Extras

  • Includes Limited Local Shopping and Online Discounts. Activation Code Provided at Account Opening
  • $500 Overdraft Privilege Available2
  • 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.


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 Fees may apply for some services within Online Banking or Mobile Banking. Cell phone text and data rates may apply.

2 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 current-ly $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.

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