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

Tiered Money Market Account

We offer a multi-tiered Money Market Account* that pays higher rates as you successfully build up your account balance.

Tiered Money Market

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

Business Analysis

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

Business Analysis

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

^{*The disclosure below contains information about the terms, fees, and interest rates for the Personal and Non-Personal}^{Tiered Money Market product types. Interest Rates and Annual Percentage Yields are current as of July 9, 2025. The}^{interest rate and annual percentage yield may change as often as daily. For current rate information, call (251) 446-6000.}^{Rate Information: This Account is an interest-bearing account. Interest rate and annual percentage yield are based}^{on the daily balance.}^{The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the}^{account as often as daily.}^{Interest begins to accrue on the business day you deposit non-cash items (for example, checks). Interest will be}^{compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited,}^{you will not receive the accrued interest.}^{Balance Information: We use the daily balance method to calculate the interest on the account. This method applies}^{a daily periodic rate to the principal in the account each day. We will use an interest accrual basis of 365 (or 366 in leap}^{year) for each day in the year.}^{Limitations: You must deposit $15,000.00 to open this account.}^{Account Fees: A $15,000.00 minimum daily balance is required to avoid a monthly service charge of $20.00.}

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 Mastercard 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 items and over: $50

At United Bank, we believe that should be true with your career - and your personal finances. That’s why we offer a multi-tiered Money Market Account that pays higher rates as you successfully build up your account balance.

Details:

Minimum initial deposit of $15,000
Money Markets generally pay higher rates than traditional savings accounts
Access funds quickly and easily through special checks, Online Banking, our free app or at United Bank branches
Interest rates are subject to change daily

Interest paid monthly to account balance at time statement rendered
$20 service charge if balance drops below $15,000 any day during monthly cycle
Secure savings tool with deposits up to $250,000 insured by FDIC

Tier Interest Rates:

Tier 1: Up to $14,999.99: 0.25% APY
Tier 2: $15,000 to $29,999.99: 0.75% APY
Tier 3: $30,000.00 to $74,999.99: 1.00% APY
Tier 4: $75,000.00 to $299,999.99: 2.02% APY
Tier 5: $300,000 and over: 2.02% APY

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

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 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

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