Business Checking

 

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Business Advantage Checking

Business Advantage Is a straightforward approach to business banking that helps remove the mystery of account fees and makes reconciliation easier. The fee structure is tiered based on your debit, credit and deposited item volume for the statement cycle.1 Your fee may vary from month to month based on your item volume. Debit items include withdrawals from your account made by check, draft or ACH. Credit and deposit items include deposit tickets and items deposited. 

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

Statements
United Bank uses today’s latest technology in providing you with an imaged statement. Your imaged statement will include an image of each item. You may also choose our E-Statement option that allows you to view an electronic image of your monthly statement through a secured internet link.

Check Orders
Select from a wide variety of business checks and other necessary supplies. Prices vary by design and type.

Advantage 24 BankLine
You may also use our 24 hour a day automated BankLine by dialing 251-368-7979 or 800-861-8752. Information is available 24 hours a day, seven days a week. You can access the Advantage 24 BankLine by keying in your account number along with your PIN.

Internet Banking and Mobile Banking
Bank online 24 hours a day, 7 days a week at www.unitedbank.com. Once enrolled in internet banking, you may also take advantage of our dedicated smartphone app where you can check account activity, transfer funds, pay bills or deposit checks.
1 You can find the free app by searching "United Bank Atmore" in the Google Play or Apple App Stores. 

 

Business Solutions
United Bank offers a host of Business Solutions that add additional savings, convenience and efficiency for businesses of all sizes. Those include: 

 

  • Automated Clearing House (ACH)
  • Visa/MasterCard Merchant Services
  • MasterCard Debit Card
  • Night Deposit Services
  • Web Payment Portal
1. Fees may apply for some services within Online Banking and Mobile Banking. Text and data rates may also apply.
2. Accounts for national or regional retail stores, public utilities, municipalities, money servicing businesses and accounts with more than 1,000 monthly combined transactions will be placed in the Business Analysis checking. Customers utilizing a cash concentration procedure or a third party cash management service will also be placed in the Business Analysis checking. 

 

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Money Market       

The United Bank Tiered Money Market Rewards you for maintaining a higher balance while giving you easy access to your money that allows a limited number of withdrawals each month. 

Account Features

  • Initial Deposit of $15,000 Required
  • Select from a Wide Variety of Checks-Prices Vary By Design and Type
  • Online Banking and BillPay Included1
  • Dedicated Smartphone App with Mobile Check Deposit1
  • Itemized Statements Included and E-Statements Available
  • No Charge at United bank ATMs AND Rebates of Other Banks' ATM Fees (subject to verification/approval)
  • 24/7 Telephone BankLine Service & Account Alerts by Dialing (800) 861-8752
  • Withdrawals Limited to 6 Per Month

Service Charges

  • Monthly Maintenance Fee of $20.00 will be Waived with a Minimum Daily Balance of $15,0002
  • $10.00 Fee if Account is Closed within 180 Days of Opening

Interest

  • Tiered Interest Rate:
    • Tier 1=$0.00 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 Interest Rate You Earn. 

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

 

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Business Analysis

Business Analysis ispopular among business accounts with average-to-heavy monthly transaction levels. The pricing for this account is based on the analysis method and a monthly service charge is assessed only if the cost of services provided exceeds the earnings allowance for the balance maintained1

Account Activity Charges1

  • All Debit items processed will be charged $ .25 per item.
  • All Credit items processed will be charged $ .07 per item (Transit items will be charged $ .10 per item)
  • Deposits will be charged $ .10 each
  • Regulatory charges will apply
  • Monthly Maintenance Fee - $32.50

Statements
United Bank uses today's latest technology in providing you with an imaged statement. Your statement will include an image of each item. You may also choose our E-Statement option that allows you to view an electronic image of your monthly statement through a secured interenet link. 

Check Orders 
Select from a wide variety of business checks and other necessary supplies.
Prices vary by design and type.

Advantage 24 BankLine
You may also use our 24 hour a day automated BankLine by dialing (251) 368-7979 or (800) 861-8752. Information is available 24 hours a day, seven days a week. You can access the Advantage 24 BankLine by keying in your account number along with your PIN. 

Internet Banking and Mobile Banking
Bank online 24 hours a day, seven days a week at www.unitedbank.com. Once enrolled in internet banking, you may also take advantage of our dedicated smartphone app where you can check account activity, transfer funds, pay bills or deposit checks2. You can find the free app by searching "United Bank Atmore" in the Google Play or Apple App Stores. 

Business Solutions
United Bank offers a host of Business Solutions that add additional savings, convenience and efficiency for businesses of all sizes. Those include:

  • Automated Clearing House (ACH)
  • Visa/MasterCard Merchant Services
  • MasterCard Debit Card
  • Night Deposit Services
  • Web Payment Portal

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

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Email Link Disclaimer

Notice: Because there is a risk that information transmitted via Internet email could fall into the wrong hands, United Bank suggests that confidential information, such as account numbers or social security numbers, not be transmitted via email. If this information must be stated, please contact United Bank by phone or at your nearest office. Thank you. If you "Continue", the link will open a new email message in your default email program.

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External Link Disclaimer

United Bank has no control over information at any site hyperlinked to or from this Site. United Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by United Bank of any information in any hyperlinked site. In no event shall United Bank be responsible for your use of a hyperlinked site. If you "Continue", the link will attempt to open a new window. If it is unable to, the link will open in the current window.

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Deluxe Corporation Link Disclaimer

As of July 1, 2015, United Bank is partnering with Deluxe Corporation for Personal & Business check orders. If this is the first time you have ordered checks since then, you need to contact your local branch or call 800.423.7026 to place your order. If you have ordered checks since July 1, 2015, please click continue to proceed.

If you choose to continue, you will be taken to Deluxe Corporation's website. The inclusion of this hyperlink does not imply any endorsement, investigation, verification or monitoring by United Bank of any information on this site. United Bank is not responsible for your use of the hyperlinked site.

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