Personal Convenience Services

Advantage 24 Bankline

For assistance by telephone 24 hours a day, please call United Bank's Advantage 24 Bankline at (251) 368-7979 or (800) 861-8752. 

From a touch tone phone press:

1. Checking, Money Market
2. Savings
3. CD & IRA
4. Loan
5. Transfer
7. Branch Hours & Locations
9. Order New DEBIT Card, Activate DEBIT Card OR Report Card Lost or Stolen


Gift Cards

In a hurry and need to get a last minute gift? Need something for that person who has everything? Do you need a sense of added security when making online purchases? United Bank now offers the solution - Gift Cards!

How they work
Gift Cards are preloaded at the bank for amounts up to $500. Unlike retail gift cards, Gift Cards feature worldwide acceptance. Use at restaurants and pay-at-the-pump gas stations will incur additional authorization charges applied by the merchant.

Customer Benefits
Registered Gift Card owners enjoy zero liability – meaning customers receive 100% protection from fraudulent use of a lost or stolen card. Unlike retail gift cards, Pre-Paid Gift Cards feature worldwide acceptance, and the funds on the card do not expire.

Customized large orders of 25 cards or more are available by contacting United Bank at 800-423-7026.

Card owners are able to check card balances at or by calling 800-827-6227 (VISA) or by calling 800-554-2707 (MasterCard).

Fees associated with Gift Card

  • No transaction fees
  • Purchase fee of $3.00 for customers and non-customers
  • Monthly Inactivity fee of $6.95 after 12 consecutive months of inactivity
  • Lost/Stolen replacement card fee of $10.00
  • Customized large orders are $3.00 per card

No wait time!
Card owners should know that Gift Cards are active once they are loaded in the bank. Gift cards are non-refundable and all sales are final.

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Advantage Prepaid Cards

The United Bank Advantage Card is a reloadable pre-paid debit card that combines the flexibility and benefits of a checking account with the convenience and security of a pre-paid card. It's ideal for those unable to obtain a traditional checking account, parents looking for a solution for students and for those who want an added layer of security for travel and online shopping.

Advantage Prepaid Card Frequently Asked Questions
For support, card activity, moving funds and more, click here.
Advantage Prepaid Card Fee Disclosure 

With the Advantage Card, cardholders have access to the following features and benefits:

  • Have Funds Direct Deposited Onto the Card Anytime
  • No Credit Check Required – An Account for Everyone1
  • Use Anywhere MasterCard Debit Cards are Accepted
  • Pay Bills Online Anytime
  • Eliminates Check Cashing Fees and Waiting in Line
  • Get Cash from an ATM, Cash Advance at Banks and from Point of Sale Purchases2
  • Bilingual Client Support 24/7 Toll Free at 800-416-6373
  • Free Text and Email Alerts3
  • Check Balances at
  • Personal Online Financial Tools Included for Budget and Account Management

As a Second Chance. . . .
For clients who have had challenges in the past or may not meet the requirements to obtain an account, The Advantage Card will open the door to many of the same tools and money management features that a traditional checking account would include. There is no credit approval required for this account and funds can be loaded in the branch or directly deposited. It's a great way to avoid long lines and fees associated with cashing your check.

For Students . . .
From books to gas to entertainment, today's young adults want the flexibility that comes with a personal card option. With The Advantage Card, students learn money management without the risk of overdrawing their accounts. The Advantage Card's online tools allow for real-time balance inquiries and account tracking. Students still have access to cash at ATMs and point of sale transactions. It's an ideal solution for students away from home or for young adults who want additional financial freedom with reduced risk.

For Travel and Online Purchases . . .
Protect yourself from online fraud and theft with a pre-paid Advantage Card. By loading only the funds you plan to use on vacation for those specific online transactions, you avoid the risk of someone gaining access to your daily checking account. The Advantage Card is accepted anywhere MasterCard Debit Cards can be used including the ATM when you need cash on the road.

1 A credit check is not required to obtain The Advantage Account, however the account may be offered as an alternative to our traditional checking services based on information obtained in a credit report as part of that account opening procedure.
2 See complete fee disclosure on the card carrier or fee product guide.
3 Standard text rates and carrier fees may apply.

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Check Cashing

We offer check cashing that is fast, easy and affordable! You can cash checks – government, handwritten, two party, insurance, tax refunds, payroll – and get your cash immediately upon approval. It’s easy to enroll, and there is no checking account required. You just pay a percentage of the check amount – between 2% and 5%.

Check Type Fee
US Treasury/Printed Payroll Checks 2% of check amount
$3 minimum
All Other Check Types 3% of check amount
$3 minimum
Money Orders 5% of check amount
$3 minimum


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Overdraft Services

There are so many demands for your time; your family, your job, and your community… just to name a few. At United Bank, we realize that you won't always have time for your checkbook. Our overdraft protection products are safety nets that provide you with both convenience and peace of mind.

Sweep Account – Use Your Own Funds as Overdraft Protection
Protect yourself from unnecessary overdraft fees by linking a checking, savings, or money market account to your primary account. This allows for funds to be automatically transferred or "swept" from the secondary account to fund transactions/checks for more than can be covered in your primary account.


  • $35 annual fee will be automatically debited from your primary checking account on or about the anniversary date of your overdraft protection sweep agreement.
  • A $5.00 charge will be assessed for each automatic transfer of funds.
  • Funds will be automatically transferred in increments of $100 from the secondary account and will total an amount necessary to bring the checking account balance to or above $0.

NOTE: Transfers from a savings or money market account are limited by federal regulations to 6 per statement cycle.

Overdraft Protection Line of Credit
With an Overdraft Protection Line of Credit, your checking account is covered up to the amount of your line of credit. It protects you from overdrafts and from having transactions denied for insufficient funds. Funds are automatically transferred when you exceed your checking account balance. To cover the transaction(s), funds are transferred from your line of credit to your checking account. You will receive a monthly statement detailing any outstanding balance used on the overdraft line of credit.

  • A $35.00 annual fee is paid upon approval of your credit line. After that, the fee will be automatically debited from your primary checking account on or about the anniversary date of your Overdraft Protection Agreement.
  • A $5.00 charge will be accessed for each automatic transfer of funds.
  • Funds will be automatically transferred in increments of $100 from the credit line and will total an amount necessary to bring the checking account balance to or above $0.
  • The minimum payment is the greater of $50.00 per month or 5% of the outstanding balance (principal and interest).

Overdraft Privilege
Overdraft Privilege is a service we add to your checking account to cover inadvertent overdrafts, subject to the eligibility criteria as explained below. 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, up to $170.00 per day, for each item that is presented. Both the amount of the overdraft items and all applicable fees, including but not limited to the overdraft fees, are included in this $500 limit. All deposits to overdrawn accounts are applied to the negative balance.

Overdraft Privilege Eligibility
No application is required for Overdraft Privilege; eligibility is at the sole discretion of the Bank and is based on you managing your checking account in a responsible manner. Your Overdraft Privilege may be suspended or permanently removed based on the following criteria:

  • You do not bring your account to a positive balance within 30 days of becoming overdrawn.
  • You are more than 30 days past due on any Bank loan or delinquent on any other obligation to the Bank.
  • You are subject to any legal or administrative orders, levy, or are currently a party in a bankruptcy proceeding.
  • You have an outstanding balance on an Overdraft Repayment Plan.
  • You are a minor.
  • An Equifax or any other negative indicator has been reported to us.
  • Your account is classified as dormant.
  • Your account type is not eligible (i.e. Gateway)
  • Account is being reviewed for fraudulent activity or transactions
  • You have unresolved prior loss with the Bank
  • We do not have a valid address for you
  • We believe you are not managing your account in a responsible manner which may harm you or us.

Transactions Eligible for Overdraft Privilege
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.

NOTE: If you have consented to Overdraft Privilege for ATM transactions, please verify your balance before initiating an ATM cash withdrawal. All overdrafts will be subject to our $34.00 overdraft fee for each withdrawal, up to $170.00 per day, until the account returns to a positive balance.

Overdraft Privilege Opt Out:
If you do not want to have Overdraft Privilege, simply contact us and we will provide you an opt out form to remove this benefit from your account. It is important for you to consider that there is no additional cost for Overdraft Privilege and that by opting out you are instructing us to return unpaid all items presented against insufficient funds. If you opt-out, you will still be charged our $34.00 returned item fee. Customers who receive a Social Security, federal direct deposit, or any other entitlement benefit must opt-out if they do not want United Bank to apply those funds to pay an overdraft.

Payment Order of Items:
The order in which items are presented may affect the total fees assessed to your account. The first items that we pay are ATM withdrawals, debit card transactions, and any checks cashed by our employees or that you have written to us. We then pay any items that were submitted electronically, such as ACH items, preauthorized automatic transfers, telephone-initiated transfers and any other electronic transfers. Finally, we pay the remaining items based on check number order.

NOTE: Please be aware that holds placed on your account for pending electronic transactions, such as hotel or rental car deposits, reduce your available balance and may cause your account to become overdrawn.

Excessive Use
We monitor accounts for chronic or excessive use. If you overdraw your account more than six times in a rolling twelve month period you will be contacted to discuss alternatives and/or continued use of Overdraft Privilege.

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Online and Mobile Banking

Online Banking

Online Banking is banking at its easiest! Transfer funds, check balances or pay bills from your home or anywhere in the world via the Internet. And best of all - it's FREE!

Online banking allows you to view all of your United Bank accounts in one convenient location. This can help you keep track of transactions to your checking and savings accounts, or CDs as soon as they post. You can use Online Banking's safety mechanisms to stop checks and update your personal contact information, view check images, pay bills online and much more.

To enroll in Online Banking from the United Bank website, click the "Enroll" link in the log-in box at the top of the page. Complete the enrollment form. Once approved, you will receive an email notification to the email address you supplied during enrollment. You will be able to access your account in about 24 hours.

Click here for answers to common Online Banking quesitons, and for tips and tricks to imporove your Online Banking experience. 

Person-to-Person Transfers

From any web browser, online banking users can access Pay A Person under BillPay within Online Banking. All you need is the recipient's email address or cell phone number. The recipient confirms the transfer and his or her account information, adding an extra layer of security. Pay A Person transfers are also available within our UB Mobile smartphone app. Fees may apply.

Bank-to-Bank Transfers

Bank-to-Bank transfers allow customers to move funds between accounts at United Bank or other institutions. This is ideal for students and parents, and for business clients with multiple accounts. Fees may apply.

Expedited Billpay

Expedited billpay features same-day or next day payments when customers need payments processed quickly. Fees vary based on delivery schedules.


Mobile Banking with UB Mobile

United Bank offers Mobile Banking through our free app. Enjoy secure, on-the-go management of your United Bank accounts where you can check balances, transfer funds, make deposits, freeze your debit card and more. Download our free app to get started. Visit Apple or Google Play app stores and search “United Bank Alabama.”

With Mobile Banking you can:

  • View account balances
  • Search recent transactions
  • Transfer funds between United Bank accounts
  • Pay bills
  • Make deposits
  • Find the nearest ATM or branch locations
  • Find information about reporting a lost or stolen debit card
  • Freeze your debit card

Enjoy easier login and better security with thumbprint authentication within UB Mobile on Apple devices.

The United Bank Mobile Banking App is free, but you will incur charges for Mobile Deposits. You may also incur data usage charges, check with your wireless carrier for more information. You must also be enrolled in Online Banking to use UB Mobile which you can do through the app.

UB Mobile is available on:

  • Android Smart Phone (Google Play Store)
  • iPhone Smart Phone (iTunes)
  • iPad Tablet (iTunes)
  • Miscellaneous Devises (ex. Blackberry) visit (WAPP)

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Mobile Check Deposit

In an environment where the evolutionary changes of our customers shape our business, United Bank continues to leverage technology to provide convenience and value to our customers. Mobile check deposit adds a level of customer interaction that is unique among community banks. Personal or business customers simply snap a photo of the front and rear of most checks and select the account where the funds will be deposited. Checks should be endorsed, "For United Bank mobile deposit only," beneath customer signature. Funds availability varies according to United Bank's deposit guidelines.

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Safe Deposit Boxes


Everyone has valuable documents that need to be protected from possible damage, loss or theft. Safe Deposit Boxes are offered in a variety of sizes to provide that piece of mind. Each authorized renter will sign a contract at the time the safe deposit box is established. Each time the safe deposit box is entered, an access card must also be signed. For your protection, bank personnel carefully monitor access to the safe deposit box area. The person attempting to gain access to the safe deposit box must be listed on the contract. Replacement of a lost safe deposit box key is $50.

Safe Deposit Boxes are available at Atmore, Bay Minette, Daphne, Flomaton, Foley, Frisco City, Lillian, Monroeville, Pace, and Semmes. Call for prices and availability.

United Bank also offers Personal Storage Compartments at some locations. The contents of Safe Deposit Boxes are not FDIC Insured.

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Personal Storage Compartments

Storage Compartments (PSCs) are reliable and easy-to-access storage compartments and are only available from United Bank. Available at newer United Bank locations, PSCs allow customers to store documents and other items in a safe, convenient location away from home.

PSCs feature a spacious interior that includes a felt lining to prevent damage to your belongings. An all-steel construction for durability and strength.

Access your PSC at anytime during normal business hours. You don't need a bank employee to accompany you to your PSC. No keys are required to enter your PSC - a four digit PIN is all you'll need to lock and unlock your PSC.

Checking account approval required for ownership of a Personal Storage Compartment. The cost for a PSC is $30 every 3 months, or a reduced one-time annual fee of $100.00. Payments must be electronically debited from a United Bank checking account.

Personal Storage Compartments are available at Magnolia Springs, Jay and Milton locations.

Personal Storage Compartments are not designed to offer the same security features as a traditional Safe Deposit Box or Vault. PSCs are not FDIC Insured.

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Debit Cards

We are proud to offer Discover Debit Cards to our customers. You can view our Discover Debit Benefits Guide here. If you need further assistance or have any questions regarding your Discover Debit Card, please contact your local branch or call (251) 446-6000. 

When you need to replace your debit card, time is important. That's why United Bank's branches offer Card@Once instant issue debit cards. It's perfect when you need a replacement card the same day. And, you can now receive your debit card when you open an account. Our Instant Issue Debit cards are now available at all of our locations, with the exception of our new East Brewton Branch.


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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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