Money Markets

Money Market Accounts: The perfect combination of earnings and access.

Want to earn more interest but still have easy access to your money? A Money Market account is for you. They’re a smart, simple way to earn more interest than with a traditional savings account but without limiting access to your money for a certain period of time like other accounts. We offer two Money Market accounts, one that pays the same interest rate on your balance and another that pays you higher rates on higher balances. Here are the details:

Money Market Account/United Money Fund.

This market is always headed in the right direction.

No complicated rules. No sweating any ups and downs. No locking funds away for months and years at a time. Unlike many other investments, Money Markets are a simple, sure-fire way to earn higher interest returns and add some momentum to your overall saving efforts.

$2,500 minimum initial deposit
Money Markets generally feature higher earnings rates than traditional savings accounts
Immediate access to funds through Online Banking¹, special checks or at United Bank branches
Free United Bank smartphone app with mobile check deposit¹
Itemized monthly statements included, with paper-saving e-Statements available
Avoid $15 monthly maintenance fee by keeping minimum daily balance of at least $2,500
$10 fee if account is closed within 180 days of opening

Tiered Rate Money Market Account. An account that entices with its earning potential.

When you work hard and get results, you deserve to be rewarded. At United Bank, we believe that should be true with your career - and your personal finances. That’s why we offer a multi-tiered Money Market Account that pays higher rates as you successfully build up your account balance.

Details	Signing Up
Minimum initial deposit of $15,000 Money Markets generally pay higher rates than traditional savings accounts Access funds quickly and easily through special checks, Online Banking, our free app or at United Bank branches Interest rates are subject to change daily Interest paid monthly to account balance at time statement rendered $20 service charge if balance drops below $15,000 any day during monthly cycle Secure savings tool with deposits up to $250,000 insured by FDIC	• Tier 1: Up 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 and over

Minimum initial deposit of $15,000
Money Markets generally pay higher rates than traditional savings accounts
Access funds quickly and easily through special checks, Online Banking, our free app or at United Bank branches
Interest rates are subject to change daily
Interest paid monthly to account balance at time statement rendered
$20 service charge if balance drops below $15,000 any day during monthly cycle
Secure savings tool with deposits up to $250,000 insured by FDIC

• Tier 1: Up 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 and over

Details

Signing Up

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

It’s the checking version of flying first class, hitting a grand slam or winning a lifetime pass to a luxury spa. This checking account features top-notch money management tools, but goes way beyond the ordinary by also offering a dazzling array of perks ranging from dining discounts to ID theft protection to roadside assistance.

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 care and hearing aids
$10,000 Travel Accidental Death Insurance*
Receive a registration code at account opening to activate Val-U Checking Benefits

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

Overdraft Benefits

$500 Overdraft Privilege available²
Overdraft Protection: In addition to Overdraft Privilege, you can arrange for an automatic transfer of United Bank savings account or line of credit funds when you exceed your checking balance. Contact us about Overdraft Protection fees and options.

Spoiler: The ‘Plus’ means extra money in your pocket

What’s better than a checking account that offers shopping discounts, travel savings, cell phone protection, prescription benefits and numerous other perks? That’s easy. An account that provides all of the above, plus bumps your income up a notch or two by paying competitive interest on checking balances.

Free Discover debit card with fraud protection
24/7 Online Banking included, with electronic Bill Pay¹
User-friendly smartphone app with mobile check deposit¹
Fee-free United Bank ATMs plus rebates of other banks’ ATM fees (subject to verification/approval)
Itemized statements included and paper-saving e-Statements available
Unlimited check writing
Monthly $15 fee can be avoided by keeping $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 care and hearing aids
$10,000 Travel Accidental Death Insurance*
Receive a registration code at account opening to activate 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.

Overdraft Benefits

$500 Overdraft Privilege available²
Overdraft Protection: In addition to Overdraft Privilege, you can arrange for an automatic transfer of United Bank savings account or line of credit funds when you exceed your checking balance. Contact us about Overdraft Protection fees and options.

Your hometown is filled with friendly people who are always willing to help out. This account is just like those nice folks. With 24/7 digital banking tools, a free debit card and even some shopping discounts, it gladly offers assistance in making your daily life better and easier.

Details:

Free Discover debit card with fraud protection
24/7 Online Banking included, with electronic Bill Pay available for $4.95 per month¹
User-friendly smartphone app with mobile check deposit¹
24/7 Telephone BankLine Service and account alerts; call 251-368-7979 or 800-861-8752
Fee-free United Bank ATMs plus rebates of other banks’ ATM fees (subject to verification/approval)
Itemized statements included and paper-saving e-Statements available
Unlimited check writing
Notary and Signature Guarantee available
$6 monthly fee can be avoided by keeping $600 minimum daily balance
Val U Benefits available on a limited basis⁶

Extras

Local shopping and online discounts (activation code provided at account opening)
$500 Overdraft Privilege available²
Overdraft Protection: In addition to Overdraft Privilege, you can arrange for an automatic transfer of United Bank savings account or line of credit funds when you exceed your checking balance. Contact us about Overdraft Protection fees and options.

With the passing of years comes a certain amount of wisdom. By now, you know what you want. And at United Bank, we aim to give it to you with a high-value account that includes everything from free checks to digital banking tools to shopping discounts.

Details

Free Discover debit card with fraud protection
24/7 Online Banking and electronic Bill Pay included¹
User-friendly smartphone app with mobile check deposit¹
Fee-free United Bank ATMs plus rebates of other banks’ ATM fees (subject to verification/approval)
Itemized statements included and paper-saving e-Statements available
Unlimited check writing
Standard wallet checks included ($7 shipping also applies)
Official checks included, 3 per month (additional checks $3)
Notary and Signature Guarantee available
$2 monthly fee can be avoided by keeping $60 minimum daily balance

Extras

Local shopping and online discounts (activation code provided at account opening)
$500 Overdraft Privilege available²
Overdraft Protection: In addition to Overdraft Privilege, you can arrange for an automatic transfer of United Bank savings account or line of credit funds when you exceed your checking balance. Contact us about Overdraft Protection fees and options.

A gateway, of course, is an entry point to something better – maybe even something life-changing. The same goes for this second-chance checking account. If you’ve had financial struggles in the past, we’ll give you a fresh opportunity to access first-class banking services, rebuild your credit, and take a big step down the path toward even more opportunities.

Details

Designed for individuals with poor credit scores or those who are just beginning to build their credit history
24/7 Online Banking included, with electronic Bill Pay available for $4.95 per month¹
User-friendly smartphone app with mobile check deposit¹
Access to a nationwide network of ATMs
24/7 Telephone BankLine Service and account alerts by calling 800-861-8752
Variety of check options (customer pays for checks and shipping/handling charges)
Monthly maintenance fee of $10
$10 fee assessed if account is closed within 180 days of opening

Account Guidelines

No debit card offered with this account.
Each item presented against insufficient funds will be returned and the account will be charged $34. If this occurs more than twice during a month, the account will be subject 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.

Your monthly bank statement is packed with information that can help you track spending and fine-tune your budget. But it’s easy for the paper version to get buried in a random pile somewhere in your home. E-Statements are accessed directly on your computer, meaning they’re right where you can find them with just a few keystrokes.

Details

Receive an email at the beginning of each month when your e-Statement is ready
Securely access your statement through Online Banking
Track account balances, checking expenditures and savings progress, or track down specific transactions
Easily access previous months’ statements
Reduce paper clutter in your house and do a good deed for the environment
Eliminate the risk of your paper statement – with all your identifying information – getting lost or stolen in the regular mailstream

Signing Up

Log in to your Online Banking account using our app or your computer.
Choose “Statements” in the main menu.
Click the “Delivery Preferences” button at the top of the page.
Choose “Electronic.”
Next, choose “All Accounts” or specify certain accounts to get the e-Statements.
Enter your email address to receive e-Statement notifications.
Then click the “Submit” button.

Money Market Account/United Money Fund

This market is always headed the right direction

$2,500 minimum initial deposit
Money Markets generally feature higher earnings rates than traditional savings accounts
Immediate access to funds through Online Banking¹, special checks or at United Bank branches
Free United Bank smartphone app with mobile check deposit¹
Itemized monthly statements included, with paper-saving e-Statements available
Fee-free United Bank ATM transactions and and rebates of other banks' ATM fees (subject to verification/approval)
Withdrawals limited to 6 per month
Avoid $15 monthly maintenance fee by keeping minimum daily balance of at least $2,500⁴
$10 fee if account is closed within 180 days of opening
Deposit up to $250,000 insured by FDIC

When you work hard and get results, you deserve to be rewarded. At United Bank, we believe that should be true with your career - and your personal finances. That’s why we offer a multi-tiered Money Market that pays higher rates as you successfully build up your account balance.

Details

Minimum initial deposit of $15,000
Money Markets generally pay higher rates than traditional savings accounts
Access funds quickly and easily through special checks, Online Banking, our free app or at United Bank branches
Interest rates are subject to change daily
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
Secure savings tool with deposits up to $250,000 insured by FDIC

Interest Rate Tiers

Tier 1: Up 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 and over

Life is busy. Fitting things into your schedule is a big challenge. Relax, we’ve got your back. In less time than it takes to buy the weekly groceries, you can move your accounts to United Bank. At that moment, you’ll begin benefiting from high-performance deposit accounts, game-changing loans and many other making-life-better financial services.