Personal Credit Cards

The card that fits your life

Whether you’re building credit, earning rewards, or managing everyday spending, United Bank Visa® Credit Cards are designed for the way you live.

Our credit cards come with low rates, great benefits, and the backing of a bank that’s close to home. You’ll get worldwide purchasing power, digital convenience, and personal service from your local United Bank team in Alabama and Florida.

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Card Benefits

Worldwide acceptance wherever Visa® is accepted
Contactless payment convenience
24/7 account access and fraud protection
Local service and support from your community bank

Visa^® Classic

Annual fee of $20 waived with a United Bank deposit account
25 day grace period
14.50% Annual Percentage Rate (APR) for purchases, cash advances and balance transfers
Download the Visa Classic Application

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Visa^® Platinum

Annual fee of $25 waived with a United Bank deposit account.
25 day grace period
12.50% Annual Percentage Rate (APR) for purchases, cash advances and balance transfers
Earn points with every qualified card purchase
Redeem points for cash back or use ScoreCard Rewards(Opens in a new Window) to earn brand-name merchandise, travel services, gift cards and more
Download the Visa Platinum Application

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All United Bank Visa^® Credit Cards come loaded with popular features:

Competitive interest rates
Cash advances at ATMs or in United Bank branches
Up to $150,000 of no-cost travel insurance
Free extended warranties on items purchased with your Visa card
Visa's Zero Liability program means you're not held responsible for unauthorized purchases
SecurLOCK Fraud Monitoring takes into account your spending habits and current fraud trends as it monitors your card use
Monitor your credit card account standing in real time through www.mycardstatement.com
Purchase alerts allow you to quickly identify suspicious purchases (visit Visa.com/PurchaseAlerts for information or to sign up)
Easy application online or at United Bank branches; to apply in person, please print one of the applications below and return it to your local branch.

With a United Bank Visa^® Credit Card, you’ll enjoy flexibility, security, and convenience backed by a name you know and trust. If you’re searching for low-rate credit cards in Alabama or Florida, we’re ready to help.

Getting started is easy:

Choose the Visa^® Credit Card that fits your needs
Apply online in minutes
Start using your new card with confidence

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Interested in our United Bank Visa Credit Card?

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

*Credit Cards subject to credit approval

International Transaction Fee of 1% for transactions outside of the United States

So what would you like the future to hold? Maybe a week at the beach. A gourmet set-up in the kitchen. A son or daughter at State U. Or the security of knowing you can handle life’s ups and downs. With a United Bank savings account, you set the goals and we’ll give you the tools to work toward them.

Deck the halls with a lot more dollars

From family gatherings to festive meals to fantastic gifts, the Christmas season can cost a pretty penny. One way to make it all more affordable is with year-round deposits to a special interest-earning account. When November arrives, all the money will be automatically deposited in your United Bank checking account for quick and easy access.

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Christmas Club accounts are limited to one per customer
Maximum balance of $10,000
Minimum automatic deposit of $20 each month from a United Bank account
Additional deposits permitted
Account must be linked to a United Bank checking account for November distribution¹
Competitive interest accrues monthly and is paid at distribution (Interest rate in effect when the account was opened)²
$10 fee if withdrawals are made outside standard distribution date.
$10 fee if you close the account before distribution date³

¹ Distribution date will occur on the nearest business day following November 1. This date may vary.
² Interest rate and Annual Percentage Yield (APY) may change without notice.
³ Fees may reduce earnings.

An emergency fund is a safety net for your money, there to help you out when life makes an unexpected turn. If someone in your family gets sick, or if there are sudden changes in jobs, this money is there to give you peace of mind. Instead of worrying about how to pay for unexpected bills, your emergency fund can cover those costs.

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5.00% APY* on the first $5,000 in your account
Ability to set up automatic transfers from your checking account to your savings account each month or more frequently
FDIC-Insured account

Emergency Calculator

^{*APY = Annual Percentage Yield}
^{Rate Information: This Account is an interest bearing account. If the daily balance is less than $5,000.01, the interest rate paid on that portion of the balance will be 4.91%. The annual percentage yield for this tier will be 5.00%. If the daily balance is more that $5,000.00, but less than $10,000.01, the interest rate paid on that portion of the balance will be 0.75%. The annual percentage yield for this tier will range from 5.00% to 2.88%. If the daily balance is more than $10,000.00, the interest rate paid on that portion of the balance will be 0.05%. The APY for this tier will range from 2.88% to 0.05%. APY effective as of 9/30/25.}
^{Interest rate may change after account is opened. Annual percentage yield subject to 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 noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. 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 $50.00 to open this account. There is no limitation for withdrawals or transfers, but a fee of $5.00 per withdrawal is assessed, in excess of 2 per month.}^{Account Fees: A $50.00 minimum daily balance is required to avoid a monthly service charge of $5.00. Fees could reduce earnings on the account.}

What makes an injury, illness or a chronic health condition even worse? Worrying about how to pay the health-care bills. At United Bank, we offer tax-advantaged HSAs that help you save the money needed to cover a wide range of doctor, dental and vision care, as well as prescription costs. That puts the focus back where it should be – on getting healthy and happy again.

¹ 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.
² IRS contribution limits subject to change. Consult the IRS for current limits.
³ Fees may reduce earnings.
⁴ Fees may apply for some services within Online Banking or Mobile Banking. Cell phone text and data rates may apply.

Personal Credit Cards

The card that fits your life

Card Benefits

Visa® Classic

Visa® Platinum

All United Bank Visa® Credit Cards come loaded with popular features:

With a United Bank Visa® Credit Card, you’ll enjoy flexibility, security, and convenience backed by a name you know and trust. If you’re searching for low-rate credit cards in Alabama or Florida, we’re ready to help.

Getting started is easy:

Interested in our United Bank Visa Credit Card?

Visa^® Classic

Visa^® Platinum

All United Bank Visa^® Credit Cards come loaded with popular features:

With a United Bank Visa^® Credit Card, you’ll enjoy flexibility, security, and convenience backed by a name you know and trust. If you’re searching for low-rate credit cards in Alabama or Florida, we’re ready to help.