person using smartphone

Checking


There's a lot to like on our checking menu.

Not everyone likes the same foods or drives the same cars. So why would everyone want the exact same checking account? At United Bank, we offer a range of options so you can choose the features that fit your finances and lifestyle.

Val U Checking

A loaded-with-extras account that includes digital banking, shopping and travel discounts, ID theft protection, and more.
Val U Checking

Val U Checking Plus

We go the extra mile, adding competitive interest payments to the discounts, protection plans, roadside assistance and other perks.
Val U Checking Plus

Hometown Checking

Can we make your life easier? Sure. Let's start with 24/7 digital banking, free debit card and free ATM transactions.
Hometown Checking

60+ Checking

You've been around long enough to know a great deal. Our checking option for age-60+ folks offers plenty of perks and free services.
60+ Checking

Gateway Checking

We believe in second chances. With this account, you can rebuild a shaky credit rating while benefiting from all kinds of convenient services.
Gateway Checking

E-Statements

Do you really want another piece of paper? Access your account statements on your computer, where they'll always be easy to find.
E-Statements

Money Market

Can we make your money work a little harder? No problem. A Money Market account is a safe way to earn higher returns.
Money Market

Tiered Rate Money Market

It's a clear case of bigger being definitely better. As the balance grows in your account, you increase your earning potential.
Tiered Rate Money Market

Switch Kit

Moving accounts to United Bank takes a lot less effort than you might think. Our kit helps you get the job done fast.
Switch Kit






Product Disclosures

A fee of $10.00 will be assessed for any account closed within 180 days of opening.
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, you are not making regular deposits, or you have too many overdrafts. You will be charged our normal overdraft or return item fee currently $34.00 for each item that is presented up to $170.00 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.
3 HDHP has a higher deductible than typical health plans and a maximum limit on the sum of the annual deductible and out-of-pocket medical expenses which may include copayments and other amounts, but do not include premiums.
4 Fees may reduce earnings.
5 IRS contribution limits subject to change. Consult the IRS for current limits.
6 Val U benefits from Bazing are available on a limited basis with Hometown Checking and 60+ Checking.
Some products may not be available to apply for online. In this case, please visit one of our United Bank branch locations.

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