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 online banking, mobile banking, 24 hour telephone banking, in-store offices that are open 6 days a week, and 23 ATMs in the Spalding, Upson, Lamar, Morgan, Coweta, Carroll, Butts, Henry, Newton, Troup and Pike county areas.

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

Free Checking – No Frills Checking

• No service charge or minimum balance required
• Unlimited check writing
• Unlimited ATM usage at United Bank ATMs**
• Free Electronic Bill Pay, Mobile Banking and Online Banking, Mobile Banking and Online Banking
• $50 minimum deposit required to open
• Students age 23 and younger receive free bank stock checks and no fee for non-United Bank ATM usage*

Silver Account – A premium checking account for one flat fee

• No service charge when you maintain a minimum daily balance of $2,500 in your combined United Bank accounts; or pay $7.50 per month
• Interest paid when you maintain a minimum daily balance of $1,000 or more in this account
• Unlimited check writing
• No fee for non-United Bank ATM usage*
• Free Electronic Bill Pay, Mobile Banking and Online Banking and Online Banking
• Free Silver Account personalized checks or $5 discount on any other style
• $50 minimum deposit required to open

Gold Account – Ideal for customers with multiple deposit accounts

• No service charge when you maintain a $10,000 minimum daily balance in your combined United Bank accounts; or pay $15 per month
• Money market rates paid on all collected balances
• Unlimited check writing
• No fee for non-United Bank ATM usage*
• Free Electronic Bill Pay, Mobile Banking and Online Banking and Online Banking
• Free Gold Account personalized checks or $5 discount on any other style
• Free 3x5 Safe Deposit Box or $15 credit on larger size
• Free Investment Planning Consultation
• Access to Gold Plus cash management account
• $50 minimum deposit required to open

Gold Plus Account – A cash management account exclusive for Gold Account customers, comparing favorably to money market-mutual fund accounts

• A partner account to your Gold Account, accessible via transfers online or in-person
• No service charge
• If your Gold Plus balance falls below $10,000 you earn the Gold Account interest rate
• Withdrawals from Gold Plus are limited to once per week, completed as a transfer to the Gold Account.  Deposits are unlimited.
• $50 minimum deposit to open

Money Market Account – The classic money market account for those requiring fewer transactions each month

• No service charge when you maintain a $2,500 minimum daily balance in this account; or pay $7.50 per month
• Six withdrawals allowed per statement period
• A $10 fee is imposed for each withdrawal in excess of the legal limit allowed per statement period
• Unlimited deposits may be made to the account
• $50 minimum deposit required to open

Regular Savings Account – For customers ready to save money with easy access if needed

• Interest bearing with quarterly account statements; monthly statement if an electronic transaction occurs
• $3.00 charge per quarter if balance falls below $100
• Three withdrawals permitted each quarter; $2 charge for each additional withdrawal
• $50 minimum deposit required to open

Minor Savings Account – The savings account designed for the young saver

• No minimum balance required
• Interest bearing with quarterly account statements; monthly statement if an electronic transaction occurs
• No minimum opening deposit required
• Three withdrawals permitted each quarter; $2 charge for each additional withdrawal
• Adult custodian must be assigned to access funds; minor owner is not authorized to make account withdrawals

Christmas Club Savings – Everyone’s favorite savings account to prepare for the gift-giving season

• No minimum balance required
• Interest bearing
• No minimum opening deposit required
• Balance of Account is issued as a check in early – mid November
• Early withdrawal requires closing of account and $5 penalty

*Non-United Bank ATMs may impose a charge on your account

**Your account will be charged $1.50 per non-United Bank ATM transaction.  If you use a non-United Bank ATM, that bank may also impose an additional charge to your account.

Temporary FDIC Insurance Coverage for Transaction Accounts

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov