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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
- Free Itemized Statements / E-Statements
- No Charge at United Bank ATMs AND Rebates of Other Banks' ATM Fees (subject to verification and approval)
- Free Notary and Signature Guarantee
- Free 24/7 Telephone BankLine & Account Alerts
- Free Internet Banking - www.unitedbank.com
- Free Mobile Banking - UB Mobile - www.unitedbankmobile.com
- Checks Available at Standard Pricing ($4.95 shipping also applies)
- Monthly fee of $5.00 waived if a minimum daily balance of $500 is maintained throughout the statement cycle. The monthly fee will also be waived for active students.
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
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
- Free Check Easy Debit Card
- Free Imaged Statement / E-statements
- No Charge at United Bank ATMs AND Rebates of Other Banks' ATM Fees (subject to verification and approval)
- Standard Checks Included at No Charge / 50% Discount on Specialty Designs & Styles ($4.95 shipping/handling charge applies)
- Free Notary and Signature Guarantee
- Free 24/7 Telephone BankLine & Account Alerts
- Free Internet Banking - www.unitedbank.com
- Free Mobile Banking - UB Mobile - www.unitedbankmobile.com
- Free Bill Pay (1 transaction required per month to remain active)
- Up to 3 Official Checks per Month with No Fee
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.
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 (Rates subject to change daily)
- Free Check Easy Debit Card
- Free Imaged Statement / E-statements
- No Charge at United Bank ATMs AND Rebates of Other Banks' ATM Fees (subject to verification and approval)
- Free Notary and Signature Guarantee
- Dedicated Customer Service Telephone Support
- Free Internet Banking AND BillPay - www.unitedbank.com
- Free Mobile Banking - UB Mobile - www.unitedbankmobile.com
- Standard Checks Included at No Charge ($4.95 shipping fee applies)
- Monthly service fee of $15 waived with $2,500 minimum daily balance.*
*Fees may reduce earnings
Account Extras
- $500 Overdraft Privilege1
- United Bank VISA Platinum Card (eligibility and amount based on credit approval)
- Personal Line of Credit (amount and 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
United Bank's eco-friendly checking account that pays a high interest yield of 2.01% 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
- Free Check Easy Debit Card
- Free E-Statements
- No Charge at United Bank ATMs AND Rebates of Other Banks' ATM Fees (subject to verification and approval)
- Free 24/7 Telephone BankLine Service & Account Alerts
- Free Internet Banking - www.unitedbank.com
- Free Mobile Banking - UB Mobile - www.unitedbankmobile.com
- Free Bill Pay (At least 2 transactions required per statement cycle to earn higher rate)
- Checks available at standard pricing ($4.95 shipping also applies)
- If monthly requirements are met earnings will be 2.01% APY1 on the portion of the daily balance that is $25,000 or less, earnings will be 0.10% APY1 on the portion of the daily balance that is greater than $25,000. If monthly requirements are not met, earnings will be 0.05% APY1 on the entire daily balance.
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
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 (Rates subject to change daily)
- Free Check Easy Debit Card
- Free Imaged Statement / E-statements
- No Charge at United Bank ATMs AND Rebates of Other Banks' ATM Fees (subject to verification and approval)
- Free Notary and Signature Guarantee
- Free 24/7 Telephone BankLine & Account Alerts
- Free Internet Banking - www.unitedbank.com
- Free Mobile Banking - UB Mobile - www.unitedbankmobile.com
- Monthly service fee of $15 waived with $1,500 minimum daily balance.*
*Fees may reduce earnings
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
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
- Free Itemized Statements / E-Statements
- Free Notary and Signature Guarantee
- Free 24/7 Telephone BankLine & Account Alerts
- Free Internet Banking - www.unitedbank.com
- Free Mobile Banking - UB Mobile - www.unitedbankmobile.com
- Variety of Check Options Available (customer pays for checks and applicable shipping/handling charges)
- $10 monthly service charge
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.
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