Personal Savings

 


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Personal Savings

  • Minimum initial deposit $100.00
  • Interest compounded and paid quarterly using the daily balance computation at interest rate set by financial institution
  • Interest accrues beginning the business day the deposit is made
  • Withdrawals are limited to six per month
  • Excess withdrawal fee of $5.00 assessed for each debit transaction in excess of two during a calendar month
  • Fee of $10.00 will be charged if the account is closed within 180 days of opening
  • Account subject to service charge of $5.00 if balance drops below $100 at any time during the month

Under Federal Regulation, transfers from a Regular Savings account to another account or to third parties by preauthorized, automatic or telephone transfers are limited to six per month with no transfers by check, draft, debit card or similar order to third parties.

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Christmas Club

Introduction
The United Bank Christmas Club Account lets you save all year so that you can be ready when holiday shopping rolls around. Automatic transfers make it easy to begin saving, and a competitive interest rate is like receiving your own present each year. Best of all – your Christmas Club savings are automatically deposited into your United Bank Checking Account each November for quick and easy access.

Details

  • Christmas Club Accounts are Limited to One Per Customer
  • Accounts Have a Maximum Balance of $10,000
  • Accounts Will Earn .75% APY1
  • A Minimum of $20 Automatic Deposit is Required Monthly
  • Additional Deposits can be Made Subject to the Account Maximum Balance
  • Account Must be Linked to a United Bank Checking Account for 
    November Distribution
  • Automatic Deposits are Scheduled for Around the 10th of Each Month
  • Savings are Deposited Electronically into Your UB Checking Around 
    November 1st Each Year2
  • The Account Remains Open and Automatic Deposits Continue Unless You Change or Stop Them by Contacting Us
  • Interest Accrues on the Account Monthly and is Paid at Distribution
  • Withdrawal Fee of $10 Applies if Withdrawals are Made Outside of the Standard Distribution Date; There is No Limit to Withdrawals
  • An Early Closure Fee of $10 will be Applied if You Close the Account Before the Distribution Date3
  • No Interest will be Paid on Accounts Closed Prior to the Distribution Date

Interest
If the club account is completed within the specified time, interest earned will be paid at the interest rate in effect when the account was opened. Interest rates are subject to change daily. The interest rate is determined by the daily computation method set by United Bank.

Internet Banking and Mobile Banking 
Bank online 24 hours a day, 7 days a week at www.UnitedBank.com. It's convenient, easy to use, and free! Once enrolled in internet banking, you may also use our free mobile banking product, www.unitedbankmobile.com, to view your accounts anytime, anywhere using the browser on your cellular device. Standard data rate plan charges may apply through your telephone and/or internet service provider.

Advantage 24 hour BankLine 
You may also use our 24 hour automated BankLine by dialing 251-368-7979 or 800-861-8752. Information is available 24 hours a day, seven days a week.

 

1.Interest rate and Annual Percentage Yield (APY) may change without notice. 
2. Distribution date will occur on the nearest business day following November 1. This date may vary. 
3. Fees may reduce earnings.

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Saver CD

What is the simplest way to reach your savings goal? Put your savings plan on Autopilot! United Bank's Saver CD allows you to contribute monthly to a Certificate of Deposit by automatic draft from a United Bank Checking Account. 

If you have a goal of making a car purchase, buying a boat, paying for a wedding, or even going on a well deserved vacation, you can use the Saver CD to build a savings reserve that you can access for your needs. Here’s How!!

How It Works
An initial deposit of $100 is required to open a Saver CD as well as a monthly transfer from a United Bank Checking Account of at least $25. The maximum opening deposit for a Saver CD is $50,000 per household and the maximum monthly transfer is $500. You select the term (from 1 year to a maximum of 5 years) and the beginning balance and, as long as you have a United Bank Checking Account, monthly contributions to your CD will build your savings. 


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 areise. You must ben 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)1
  • 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 Included2
  • Dedicated Smartphone App with Mobile Check Deposit2
    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 Monthly3
  • 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.4 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**

1. 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.
2. Fees may apply for some services within Online banking or Mobile Banking. Cell phone text and data rates may apply. 
3. Fees may reduce earnings.
4. IRS contribution limits subject to change. Consult the IRS for current limits. 

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