Visa Business Credit Card

 

As a business professional in our community, we have found a way for your business to be able to track individual spending among your employees. It's a hassle trying to keep up with what person spent how much and where, but with our new Visa Business Card there will be no more worries. With the Visa Business Card, you have enhanced benefits that will help you specifically in the workplace. After all, you probably understand better than anyone, it’s about working smarter, not harder!

To apply for a United Bank Business Visa, please print the application below and bring it to your United Bank representative. 
Visa® Business Application

Fraud Prevention

To assist credit card users in reducing credit card fraud when making purchases, our third party provider (Fidelity/Certegy) has teamed up with Falcon Neural Network. Falcon network is considered the leading fraud detection software in the industry, and is used by 9 out of the top 10 issuers in the U.S.A.  Past data regarding spending habits of each cardholder is reviewed when a customer initiates a transaction.  It will pass through the system and be compared to previous transactions made by that customer and then scored for the likelihood of fraud.  Transactions with a high probability of fraud will be validated through telephone calls made directly to the cardholder.  If the cardholder cannot be reached, the bank will be contacted directly.  This type of fraud detection has proven to be effective and appreciated by cardholders.

In addition, United Bank has begun issuing Smart Cards, also called EMV or Chip Cards, to keep your financial information more secure. Please watch this short video for more information on the new Smart Cards.

Travel Accident Insurance

The Business Visa card also offers a $250,000 Travel Accident Insurance1 Policy at no cost to you, when you use your card to purchase airline or other common carrier tickets.

Statements

Monthly individual statements to employees and businesses allow you to track individual spending.

Annual Fee

The Annual Fee is determined by your account relationship with United Bank.

Interest Rate

Your APR for purchase transactions may vary. The interest rate is determined monthly by adding 5.00% to the Prime Rate as published in the Wall Street Journal on the 1st day of the prior month.

Annual Percentage Rate (APR)

Your APR for purchase transactions may vary. The interest rate is determined monthly by adding 5.00% to the Prime Rate as published in the Wall Street Journal on the 1st day of the prior month.

Credit Limit

There will be preset credit limits for each individual cardholder.

Support 24/7

No matter when you have a problem or a question you can call VISA at 1-800-VISA-911 for any of your needs that you have.

ScoreCard Rewards Program gives cardholders a chance to earn while you spend. Go to www.scorecardrewards.com to track points and see the rewards catalog.

For more detailed information on these benefits you may view these benefits online at any time at www.visa.com/benefits, or call the (800) number on the back of your Visa card, or refer to the benefits information provided along with your Visa card, or contact United Bank's Credit Card Administrator at (251) 446-6000. In addition, you may access your card information through your United Bank internet banking account or at www.mycardstatement.com.

1 Travel accident insurance is not a deposit, is not guaranteed by the bank, and is not insured by the FDIC or by any government agency and may lose value.

Scorecard Rewards

Earn Bonus Points for every net purchase you make with our United Bank Platinum or Business Credit Card. You can redeem bonus points for brand-name merchandise and exciting travel awards.

Scorecard Rewards

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