Checking

Personal Checking

 

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Val U Checking

Packed with benefits, Val U Checking combines the best of traditional banking with tools and discounts designed to help with everyday life.

Account Features

  • Check Easy Debit Card with Fraud Protection Included
  • Online Banking and Online BillPay Included1
  • Dedicated Smartphone App with Mobile Check Deposit ($2 Per Deposit)1 
    Search “United Bank Atmore” in App Store or Google Play Store
  • 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
  • Monthly Maintenance Fee of $5

Val U Benefits

  • Cell Phone Protection*
  • Roadside Assistance*
  • $2,500 Personal Identity Restoration Benefit*
  • Identity Theft Assistance*
  • Shopping and Dining Discounts from Local and National Retailers
  • Nationwide Travel, Hotel, Recreation and Entertainment Discounts
  • Savings on Prescriptions, Vision and Hearing Aids
  • $10,000 Travel Accidental Death Insurance*
  • Receive a Registration Code at Account Opening to Activate your Val-U Checking Benefits

    *Insurance products are subject to additional terms and conditions and are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT IN-SURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.

Extras

  • $500 Overdraft Privilege Available 2
  • Overdraft Protection: In addition to our Overdraft Privilege, you are able to link a United Bank account or Line of Credit to this account to transfer funds automatically when you exceed your checking account balance. Option 1: Account to Account transfer: $35.00 annual fee and $5.00 fee per transfer. Option 2: Overdraft Protection Line of Credit: (subject to credit approval) $35.00 annual fee and $5.00 fee per transfer. Please refer to our Overdraft Protection Disclosure for complete details.

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Val U Checking Plus

A relationship account that earns interest while giving you the best features from our Val U Checking Family.

Account Features

  • Check Easy Debit Card with Fraud Protection Included
  • Online Banking and Online BillPay Included1
  • Dedicated Smartphone App with Mobile Check Deposit ($2 Per Deposit)1
  • 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)
  • Monthly Maintenance Fee of $15 Can be Avoided by Keeping a $2,500 Minimum Daily Balance

Val U Benefits

  • Cell Phone Protection*
  • Roadside Assistance*
  • $2,500 Personal Identity Restoration Benefit*
  • Identity Theft Assistance*
  • Shopping and Dining Discounts from Local and National Retailers
  • Nationwide Travel, Hotel, Recreation and Entertainment Discounts
  • Savings on Prescriptions, Vision and Hearing Aids
  • $10,000 Travel Accidental Death Insurance*
  • Receive a Registration Code at Account Opening to Activate your Val-U Checking Benefits

    *Insurance products are subject to additional terms and conditions and are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT IN-SURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK.

Extras

  • $500 Overdraft Privilege Available 2
  • Overdraft Protection: In addition to our Overdraft Privilege, you are able to link a United Bank account or Line of Credit to this account to transfer funds automatically when you exceed your checking account balance. Option 1: Account to Account transfer: $35.00 annual fee and $5.00 fee per transfer. Option 2: Overdraft Protection Line of Credit: (subject to credit approval) $35.00 annual fee and $5.00 fee per transfer. Please refer to our Overdraft Protection Disclosure for complete details.

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Hometown Checking

Hometown Checking offers the simplicity you look for in a daily account with the convenience and features needed to manage your money.

Account Features

  • Check Easy Debit Card with Fraud Protection Included
  • Online Banking Included and Online BillPay Available for $4.95 per month1
  • Dedicated Smartphone App with Mobile Check Deposit ($2 Per Deposit)1 
    Search “United Bank Atmore” in App Store or Google Play Store
  • Itemized Statements Included and E-Statements Available
  • No Charge at United Bank ATMs AND Rebates of Other Banks’ ATM Fees (subject to verification/approval)
  • Notary and Signature Guarantee Available
  • 24/7 Telephone BankLine Service & Account Alerts by Dialing (800) 861-8752
  • Monthly Maintenance Fee of $6 Can be Avoided by Keeping a $600 Minimum Daily Balance

Extras

  • Includes Limited Local Shopping and Online Discounts. Activation Code Provided at Account Opening
  • $500 Overdraft Privilege Available2
  • Overdraft Protection: In addition to our Overdraft Privilege, you are able to link a United Bank account or Line of Credit to this account to transfer funds automatically when you exceed your checking account balance. Option 1: Account to Account transfer: $35.00 annual fee and $5.00 fee per transfer. Option 2: Overdraft Protection Line of Credit: (subject to credit approval) $35.00 annual fee and $5.00 fee per transfer. Please refer to our Overdraft Protection Disclosure for complete details.

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60+ Plus Checking

Designed for the mature customer looking for more from their daily account. 60+ Plus Checking offers a list of complimentary features including checks, online banking and bill pay.

Account Features

  • Check Easy Debit Card with Fraud Protection Included
  • Online Banking and Online BillPay Included1
  • Dedicated Smartphone App with Mobile Check Deposit ($2 Per Deposit)1 Search “United Bank Atmore” in App Store or Google Play Store
  • Itemized Statements Included and E-Statements Available
  • No Charge at United Bank ATMs AND Rebates of Other Banks’ ATM Fees (subject to verification/approval)
  • Notary and Signature Guarantee Available
  • Unlimited Check Writing
  • Standard Wallet Checks Included ($4.95 shipping also applies)
  • Monthly Maintenance Fee of $2 Can be Avoided by Keeping a $60 Minimum Daily Balance

Extras

  • Includes Limited Local Shopping and Online Discounts. Activation Code Provided at Account Opening
  • $500 Overdraft Privilege Available2
  • Overdraft Protection: In addition to our Overdraft Privilege, you are able to link a United Bank account or Line of Credit to this account to transfer funds automatically when you exceed your checking account balance. Option 1: Account to Account transfer: $35.00 annual fee and $5.00 fee per transfer. Option 2: Overdraft Protection Line of Credit: (subject to credit approval) $35.00 annual fee and $5.00 fee per transfer. Please refer to our Overdraft Protection Disclosure for complete details.

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Gateway Checking

Your Gateway is here! Gateway Checking offers customers with LOW or NO credit or who have had issues managing their accounts a second chance to qualify for a checking account. With proper maintenance of the account, customers may be able to upgrade to another United Bank account after only six months!

Account Features

  • Online Banking Included and Online Billpay Available for $4.95 per month1
  • Dedicated Smartphone App with Mobile Check Deposit ($2 Per Deposit)1 Search “United Bank Atmore” in App Store or Google Play Store
  • Itemized Statements Included and E-Statements Available
  • 24/7 Telephone BankLine Service & Account Alerts by Dialing (800) 861-8752
  • Variety of Check Options Available (customer pays for checks and applicable ship-ping/handling charges)
  • $10 Monthly Maintenance Fee
  • A Fee of $10.00 will be Assessed if the Account is Closed within 180 Days of Open-ing

Account Guidelines

  • A Debit Card is Not Offered with this Account
  • Each item presented against insufficient funds will be returned and the account will be charged $32.50. If items are presented against an insufficient balance more than twice during a month, the account will be sub-ject to closure. No overdraft privilege is available with this account. This account will not automatically be upgraded after six months. See your account officer for consideration.

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United Money Fund

  • Minimum initial deposit of $2,500
  • Interest rates are subject to change daily
  • Earns interest rate set by financial institution, based on daily balance computation method
  • Interest paid monthly to account balance at time statement rendered
  • $15 service charge if balance drops below $2,500 any day during monthly cycle
  • Withdrawals limited to six per statement cycle, with no more than six by check, draft or similar order to third parties
  • A fee of $10.00 will be assessed if the account is closed within 180 days of opening

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Tiered Rate Money Market                    

  • Minimum initial deposit of $15,000            
  • Interest rates are subject to change daily            
  • Earns interest rate set by financial institution, based on daily balance computation method            
  • Interest paid monthly to account balance at time statement rendered            
  • $20 service charge if balance drops below $15,000 any day during monthly cycle            
  • Withdrawals limited to six per statement cycle, with no more than six by check, draft or similar order to third parties            
  • First order of wallet-style checks provided at no charge  
  • Tier 1 = $0 to $14,999.99            
  • Tier 2 = $15,000 to $29,999.99            
  • Tier 3 = $30,000.00 to $74,999.99            
  • Tier 4 = $75,000.00 to $299,999.99
  • Tier 5 = $300,000 or over

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Product Disclosures

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, or 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.

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       

For Openers! 
The Money Fund account from United Bank is the solution to your Money Market account needs! A Money Market account is a type of account, which allows a limited number of withdrawals to be made each month from the account. Your balance earns a competitive interest rate and the interest earned will be credited to your account each month.

Account Activity Charges
An initial deposit of $2,500 is required to open a United Money Fund account. By maintaining a minimum daily balance of $2,500.00, no service charge will be assessed. A monthly maintenance fee of $15.00 will be charged to accounts with balances that fall below the minimum required daily balance..

Withdrawals
As with all Money Market accounts, withdrawals are limited to six per month..

Imaged Statement
United Bank uses today’s latest technology in providing you with an imaged statement. Your imaged statement will include an image of each item. Images are obtainable in CD ROM format and United Bank now offers E-Statements that allow you to view an electronic image of your monthly statement through a secured internet link. As an additional service,  you may select the size of each image.

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

Internet Banking and Mobile Banking
Bank online 24 hours a day, 7 days a week at www.UnitedBank.com. It’s convenient and easy to use! Once enrolled in internet banking, you may also use our mobile banking product, www.unitedbankmobile.com to gain instant connectivity to your accounts anytime, anywhere using the browser on your cellular device.

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.

Other Options
Automated Clearing House (ACH), Visa/MasterCard Merchant Services, Electronic Federal Tax Payment System (EFTPS), and Night Deposit Services are available.

ATM Features
United Bank has several convenient ATM locations for you to withdraw funds from checking or savings, transfer funds between your United Bank accounts, and check current balances. As an added advantage, we will rebate ATM fees that other banks charge. All rebates are subject to verification and approval.

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Business Analysis

For Openers! 
Business Checking is popular 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 maintained. An initial deposit amount of $100 is required.

Account Activity Charges
Monthly Maintenance Fee - $32.50
All Debit items processed will be charged $ .25 per item.
Deposits - $0.10 each
On-Us Credit Items - $0.07 per item
Transit Credit Items - $0.10 per item
Regulatory Charges Will Apply
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.
The fee for any deposited items that are returned will be included in the Analysis charge.

Imaged Statement
United Bank uses today's latest technology in providing you with an imaged statement. Your statement will consist of a detailed listing of all transactions, along with an image of each check in numerical order. As an additional service, you may select the size of each image.

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

Internet Banking
Bank online 24 hours a day, 7 days a week. It's convenient, easy to use, and free! Enroll today at www.unitedbank.com.

Advantage 24 BankLine
You may access your United Bank accounts by dialing 368-7979 or 1-800-861-8752. 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 number and the last 4 digits of your SSN or Tax ID. This service give you the ability to obtain information about your United Bank accounts, transfer funds between your accounts and listen to community announcements.

Other Options
Automated Clearing House (ACH) origination/receiving, Visa/MasterCard Merchant Services, Visa Payment Card, Electronic Federal Tax Payment System (EFTPS), Night Deposit Services, Retirement plans, Federal Tax Depository, and Night Depository.

*The earnings credit is calculated on the average available collected balance less the 10% reserve requirement. The interest rate used for the earnings credit is the monthly average of the 13-week Treasury Bill rate less 1/4 of 1% for FDIC costs.

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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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