Checking

We know you recognize great value when you see it.

In business, efficiency is the name of the game. Our Business Checking services work seamlessly with that goal, providing high-performance financial tools at a low cost that keeps your overhead under control.

Business Advantage Checking

Turn your checking account into a financial command center with our cutting-edge digital tools and other advantages.

Business Advantage

Money Market

Give your financial reserves some extra earning power with this secure, revenue-building account.

Money Market

Business Analysis

Businesses with bigger balances in their United Bank deposit accounts can benefit from reduced checking fees.

Business Analysis

E-Statements

Electronic statements are easy to access on your office computer system, allowing for deeper analysis and expense evaluation.

E-Statements

Switch Kit

It only takes five simple steps to move your accounts to United Bank from other financial institutions.

Make the Switch

United Bank is a full-service financial institution with branches in Alabama and Florida.

Anyone can give you a book of checks and an account number. At United Bank, we recognize what today’s businesses really need – a wide range of high-tech tools and convenient services that help them control spending, manage money in real time, and keep expenses at a rock-bottom level.

Details:

Monthly fees based on number of monthly transactions so you don’t pay more than you have to
24/7 access to Online Banking and our highly rated mobile app
Sign up for e-Statements through Online Banking and access account data in user-friendly digital format
Get multiple Discover debit cards for fast purchases and better record-keeping
Take advantage of other business solutions that include Automated Clearing House transactions, credit card processing through Merchant Services, Night Deposit services

Transaction Fee Structure:

Debit transaction items include withdrawals from your account made by check, draft or ACH. Credit and deposit transaction items include deposit tickets and items deposited.

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

Business success gives you the freedom to move some funds out of your daily operating account. A good new home is a Money Market, where they’ll earn higher returns* while remaining available for immediate use if you face a cash-flow challenge or need to strike at a business opportunity when the iron’s hot.

Details:

Multiple tiers means that bigger balances can earn higher interest
Minimum initial deposit of $2,500
Monthly maintenance fee of $20 waived with $2,500 minimum daily balance¹
Immediate access to funds through special checks or digital banking tools
24/7 Online Banking and electronic Bill Pay
User-friendly Mobile Banking and mobile check deposit²
Itemized paper statements included and e-Statements available
Withdrawals limited to 6 per month
$10 fee if account is closed within 180 days of opening

¹ Fees may reduce earnings.

² Fees may apply for some services within Online Banking or Mobile Banking. Cell phone text and data rates may apply.

Tiered Interest Rates:

Tier 1: Up to $14,999.99
Tier 2: $15,000.00 to $29,999.99
Tier 3: $30,000.00 to $74,999.99
Tier 4: $75,000.00 or more

*Interest rate subject to change daily. Balance determines the tiered rate you earn.

We can help cut down your monthly banking costs

Smart businesses are always looking for ways to save money on outside services. At United Bank, we understand that includes us. We allow businesses with average to heavy transaction volumes to use higher deposit account balances to offset monthly fees. With our Business Analysis Accounts, a service charge is assessed only if the cost of services provided exceeds the earnings allowance for the balance maintained.¹

¹ 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.

Account Activity Charges

All Debit items processed are charged $ 0.25 per item.
All Credit items processed are charged $0.07 per item
All Transit items are charged $0.10 per item
Deposits are charged $0.10 each
Regulatory charges apply
Monthly maintenance fee: $32.50

Other Account Benefits

24/7 access to Online Banking and our highly rated mobile app²
Sign up for e-Statements through Online Banking and access account data in user-friendly digital format
Get multiple Visa debit cards for fast purchases and better record-keeping
Take advantage of other business solutions that include Automated Clearing House transactions, credit card processing through Merchant Services, Night Deposit services

² Fees may apply for some services within Online and Mobile Banking. Text and data rates may also apply.

Make even better use of your monthly financial data

Monthly bank statements hold a gold mine of information that can be used to analyze spending patterns, track interest earnings, identify key transactions and fuel deeper dives into big-picture finances. You can access that information sooner – and far more efficiently – from your workplace computer than if it arrives via postal mail.

Details:

Get an e-mail when your e-Statement is ready at the beginning of each month
Enjoy secure access to statement through Online Banking
Easily download information to accounting software for analysis
View archive of previous months’ statements
Cut down on paper clutter in your office
Reduce the possibility of fraud that can occur when paper statements are stolen from the mail stream

Signing Up for e-Statements

Log in to your Online Banking account using our app or your desktop computer.
Choose “Statements” in the main menu.
Click the “Delivery Preferences” button at the top of page.
Next, choose “All Accounts,” or specify which accounts get e-Statements.
Choose "Electronic."
Enter your email address to receive e-Statement notifications.
Then click the “Submit” button.

Take the fast track to a better banking experience

Every day, your business is focused on getting the job done. The last thing you need is to devote time and energy to switching banks. Good news: United Bank’s high-performance deposit accounts, game-changing loans, cutting-edge digital banking tools and other efficiency-enhancing services are only a few simple steps away.

Download our quick and easy Switch Kit
Read “5 Simple Steps for Switching to Your New United Bank Business Checking Account”
Access our helpful Switching Worksheet and Switching To-Do List
Download the necessary forms that can be quickly filled out and sent to us