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 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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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 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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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
  • Monthly Maintenance Fee Waived for Students

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 ($7 shipping also applies)
  • Official Checks Included, 3 Per MOnth (additional checks $3)
  • 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 shipping/handling charges)
  • $10 Monthly Maintenance Fee
  • A Fee of $10.00 will be Assessed if the Account is Closed within 180 Days of Opening

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 $34.00. If items are presented against an insufficient balance 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.

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Money Market/United Money Fund

The United money Fund account is a money market type account which allows a limited number of withdrawals each month. Your balance earns a competative interest rate and the interest earned will be credited to your account each month. (Interest rates subject to change daily)

Account Features

  • Initial Deposit of $2,500 Required
  • Select from a Wide Variety of Checks-Prices Vary By Design and Type
  • Online Banking and Online BillPay Included1
  • Dedicated Smartphone App with Mobile Check Deposit1
  • 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
  • Withdrawals Limited to 6 Per Month

Service Charges

  • No Service Charge with Minimum Daily Balance of $2,500
  • Monthly Maintenance Fee of $15.00 if Daily Balance Falls Below $2,5004
  • $10.00 Fee if 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 and over

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Health Savings Account

Health Savings Accounts combine the cost savings from a high-deductible insurance plan with the tax benefits and ease of use of a dedicated interest-bearing checking account. Deposits to your HSA build over time, providing a way to pay deductible and other qualifying expenses when they arise. You must be an eligible individual to qualify for an HSA.

Eligibility

To be an eligible individual and qualify for an HSA, you must meet the following requirements:

  • You Must Be Covered Under a High Deductible Health Plan (HDHP)3
  • You Have No Other Health Coverage
  • You are Not Enrolled in Medicare
  • You are Not Claimed as a Dependent on Someone Else's Tax Return

Account Features

  • Online Banking Included1
  • Dedicated Smartphone App with Mobile Check Deposit1
    Search "United Bank Atmore" in App Store or Google Play Store
  • Annual Expense Statements, Monthly Checking Account Statements and E-Statements Available
  • 24/7 Telephone BankLine Service & Account Alerts by Dialing (800) 861-8752
  • Debit Card Included for Account Holder and $10 Per Additional Card

Eligibility

  • A Fee of $5 Will be Assessed Monthly4
  • A Fee of $10 Will be Assessed for Accounts Closed within 180 Days of Opening
  • A Fee of $25 Will be Assessed for Contributions that Exceed the IRS Annual Contribution Limits.5 These Limits Can Change Annually, You Should Consult the IRS for Current Limits. 

Interest

  • Interest Earned is Credited to Your Account Monthly **Interest Rates Subject to Change Daily**


3. Fees may reduce earnings.
4. IRS contribution limits subject to change. Consult the IRS for current limits. 

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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.

3 HDHP has a higher deductible than typical health plans and a maximum limit on the sum of the annual deductible and out-of-pocket medical expenses which may include copayments and other amounts, but do not include premiums. 

4 Fees may reduce earnings.

5 IRS contribution limits subject to change. Consult the IRS for current limits. 

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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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