Covid Personal Resources

We're here to help.

COVID-19 has had a tremendous impact on nearly every aspect of our daily lives. At United Bank, we are working diligently to do what we can to support our customers, employees and communities during this unprecedented time. We have created this website page to keep you updated on issues that affect you and your family and to share resources that can help guide your personal finances during this pandemic.




The Coronavirus Aid, Relief, and Economic Security Act, also known as the CARES Act, is a law meant to address the economic fallout of the 2020 coronavirus pandemic in the United States. In addition to the relief payments to all eligible US residents and a substantial small business assistance program -- Paycheck Protection Program, tax credits for employee retention, and other tax measures meant to relieve the burden for the short term, there are significant allowances involving retirement plans and the ability to access those funds for emergency needs. One of the things the CARES Act does is drastically changes required minimum distribution rules for 2020:
  • Delays date for 2019 IRS contributions to July 15, 2020
  • Required minimum distributions waived for 2020 and do not have to be made up
  • For 401(k)s, the loan limit is the lesser of $100,000 or 100% of employee's vested account balance in the plan (for 180 days after enactment date of March 27, 2020). Hardship rules apply

For coronavirus-related hardship distributions from IRAs and 401(k)s:

  • Waives the 10% early withdrawal penalty tax
  • Exempts distributions from the mandatory 20% federal tax withholding
  • Permits re-contribution within three years
With many Americans struggling in 2020 because of the pandemic, having more flexibility on distributions can be beneficial. For more information on the CARES Act, visit 

Financial Resources

Financial Focus

Unexpected expenses are a part of life. Whether you need help with mortgage relief or debt management, or just want to learn healthy financial habits, visit our Financial Focus webpage for financial learning tools. There are even topics for teens and young adults to help them build a strong foundation for their financial future.

America Saves

America Saves has many COVID-19 resources available on their website to help during the coronavirus crisis. Articles include Pantry Shopping and Meal Planning Tips, Family Fun Ideas to Try While Sheltering in Place and Where to Get Financial Help during the crisis. There's even a decision tree you can download on deciding how to best apply your stimulus check.
For more information, visit

Teach Children to Save

The American Bankers Association offers many useful tools to help teach children about money and develop a savings habit early in life. Click on the links below for fun ways for your kids to learn about personal finances and saving for the future.

How to Check Your Stimulus Payments

How to Check on Your Economic Impact Payments

The IRS has set up a website that will give you information about your payment status, your payment type, and whether the IRS needs more information from you, including bank account information.To check on the status of your Economic Impact Payment, visit



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