PERSONAL CHECKING ACCOUNTS

A solid checking account is the foundation of exceptional personal banking. At United Bank, all our personal checking accounts come standard with the features that set us apart: state-of-the art electronic and mobile banking, a convenient network of branches and ATMs, and seven-day access through our innovative Interactive Teller Machines (ITMs) that make your banking truly personal. Explore your options below and get started with only $50.

Free Checking

Get convenient access to your money with no hassles

  • No monthly service charge
  • No minimum balance required
  • Unlimited use of United Bank ATMs and ITMs*
  • Full access to Mobile Advantage, our electronic suite of services
  • Open with only a $50 minimum deposit

Student Account

All the convenience of Free Checking with extra perks for students age 23 and under.

  • No withdrawal fees when using non-United Bank ATMs**
  • Free standard checks (other check styles will incur a fee)

Gold Account

Earn interest while enjoying a full line of services

  • No monthly service charge with a $10,000 total minimum balance across all United Bank accounts ($15 per month otherwise)
  • Interest bearing account options
  • Free 3x5 safe deposit box, or $15 credit on larger size
  • One free investment planning consultation
  • Exclusive access to Gold Plus cash management account
  • Free Gold Account checks or $5 discount on any other style
  • Unlimited use of United Bank ATMs and ITMs*
  • No withdrawal fees when using non-United Bank ATMs**
  • Full access to Mobile Advantage, our electronic suite of services
  • Open with only a $50 minimum deposit

Gold Plus Account

(available to Gold Account holders)

A tailored cash management account for Gold Account customers only

  • No monthly service charge
  • Money market interest earned with a balance over $10,000 (otherwise, interest is earned at Gold Account Rate)
  • Transfers to Gold Account limited to one per week
  • Open with only a $50 minimum deposit

Senior Citizens Account

(for customers 50 and over)

You’ve already paid your dues, so enjoy fee-free personal checking.

  • No monthly service charge
  • No minimum balance required
  • Earned interest on all balances
  • Free standard checks (other check styles will incur a fee)
  • Unlimited use of United Bank ATMs and ITMs*
  • No withdrawal fees when using non-United Bank ATMs**
  • Discounted access to a safe deposit box
  • Full access to Mobile Advantage, our electronic suite of services
  • Open with only a $50 minimum deposit

Rates may change at any time without prior notice. Simple interest is calculated on the average daily collected balance in the account and credited either monthly or quarterly. Fees could reduce earnings on the 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 a terminal usage fee.
**Non-United Bank ATMs may impose a terminal usage fee.