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Checking
& Savings • CDs
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MasterCard • AccessUnited
These days you can't get very far without a checking account. While
some banks seem to have dozens to choose from, we try to make it simple
at United Bank. Features vary between accounts, but every account is
designed to give you immediate access to your funds, day or night.
All account holders enjoy the conveniences of PC banking, telephone
banking, supermarket branches that are open 6 days a week, and 17
ATMs in the Spalding, Upson, Lamar, Morgan and Pike counties.
Note: When opening an account, we require
proper identification and verification of social security number. We accept
the following:
- Georgia issued picture id
- Valid Georgia driver's license
- Passport
- Military id
- Social Security card
Open Account
United Bank’s Free Checking
Account…yes, free.
- No Service Charge
- No Minimum Balance
Requirements
- No transaction
restrictions
- $50 Minimum Deposit
Required To Open Account
- Non Interest Bearing
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Open Account
United Bank’s most popular account,
The Silver Account, offers the benefits of a premium account at one flat
rate. Silver Account features include:
- Interest Paid Each Day
Account Balance is $1,000 Or More
- Unlimited Check Writing
- Free Bank Stock Silver
Account Checks Or $5 Credit On Any Other Style
- No Foreign Withdrawal
Fee On Non-United Bank ATMs
- Quarterly “Bank Notes”
Newsletter
- No Service Charge If
Combined Balance Is $2,500 Or More
- $50 Minimum Deposit
Required To Open Account
- $7.50 Service Charge If
Aggregate Balance Falls Below $2,500
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Open Account
The United Bank Gold Account is the
premium account for customers who maintain $10,000 or more in collective
daily balances. Gold Account benefits include:
- Money Market Rates Paid
On All Collected Balances
- Unlimited Check Writing
- Free Bank Stock Gold
Account Checks Or $5 Credit On Any Other Style
- No Service Charge On
Travelers’ Checks
- No Foreign Withdrawal
Fee On Non-United Bank ATMs
- Free 3 x 5 Safety
Deposit Box Or $15 Credit On A Larger Size
- Quarterly “Bank Notes”
Newsletter
- Investment Planning
Service
- No Service Charge If
Combined Balance Is $10,000 Or More
- Free Online Banking and
Electronic Bill Pay
- $50 Minimum Deposit
Required To Open Account
- $15 Service Charge If
Aggregate Balance Falls Below $10,000
- Gold Plus Cash
Management Account Available Offering Higher Yield (transfers to Gold
Plus Account are limited to one per week and can be made by either
calling a CSR or via AccessUnited’s online banking services)
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The Gold Plus account is a premium cash management account available
to Gold checking customers only. The account offers high yields and
quick and convenient access to your money, and compares favorably with
nationwide money market mutual fund accounts. Unlike those accounts,
your Gold Plus balance is protected by the FDIC.
Deposits to the Gold Plus account must be made as transfers from
the Gold Account. To earn the premium Gold Plus rate, maintain a
minimum balance of $10,000 in the account; otherwise, the Gold account
rate will be paid. The rate may change on your account after it is opened. Fees could
reduce earnings. If you close your account before interest is credited, you will not receive
the accrued interest. Transfers from the Gold Plus are limited to one
per week, and may be made by calling a Customer Service Representative
or via AccessUnited's online banking service.
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This classic money market account offers premium interest for those requiring fewer
transactions. Maintain $2,500 through out the month and incur no service charges. A minimum
balance fee of $7.50 will be imposed any month the balance falls below $2,500. The rate may
change on your account after it is opened, and fees can reduce earnings.
During each monthly statement period, you may make six (6)
withdrawals from your account, but only three (3) may be payments by check to
third parties. A $10.00 fee is imposed for each withdrawal in excess of
the legal limit.
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United Bank offers the Regular
Savings Account for customers interested in saving money for future growth
with easy access if needed.
- No Minimum Balance
Requirements
- Interest Bearing
- $50 Minimum Deposit
Required To Open Account
- Account statements
mailed quarterly; monthly if an electronic transaction occurs
- $3.00 Charge Per
Quarter If Balance Falls Below $100
- $2.00 Charge Per Debit
In Excess Of 3 Per Statement Period
Minor Savings Account
United Bank offers savings accounts
designed specifically for the benefits of a minor. A custodian is assigned
as “keeper” of the funds, with access for deposits and withdrawals.
- No Minimum Balance
Requirements
- No Minimum Opening
Deposit Required
- Interest Bearing
- $2.00 Charge Per Debit
In Excess Of 3 Per Statement Period
- Account statement
mailed quarterly, or any monthly period in which an electronic
transaction occurs
- Minor is the owner of
the funds, but is not allowed access to funds.
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United Bank offers the old fashioned Christmas Club Savings Account for
customers who like to save throughout the year for the gift-giving season.
Open the account any day of the year and one can start saving. Customers
who open a Christmas Club account receive a special book of deposit slips
to use when making a deposit. Auto transfers are available from an
existing United Bank account to make saving effortless.
Accounts are closed and checks are mailed mid-November. If you close the
account prior to the scheduled closing, there will be a $5.00 fee collected
from the balance in the account. No partial withdrawals are allowed during
the year.
To
obtain the disclosed annual percentage yield, customers must maintain a
balance of at least $10.00.
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