Personal Checking Accounts

Accessing your money has never been more convenient. United Bank’s Personal Checking accounts allow you to easily check your balance, transfer funds, pay bills, deposit checks, and more. With United Bank you can do your personal banking anytime, anywhere.

Our personal checking account includes:

  • State-of-the-art electronic and mobile banking
  • Convenient network of branches and ATMs
  • Seven-day access through our innovative Interactive Teller Machines (ITMs) that make your banking truly personal.
  • A VISA® debit card, for convenient use anywhere Visa is accepted

Whether you prefer managing your bank account with our online banking options or visiting a local bank office to see one of our great bankers, United Bank has you covered. A solid personal checking account is the foundation to manage your money with confidence. Explore your options below and get started with as little as $50.


Gold Life Checking


Enjoy rewards for your relationship. Maintain $10,000 in minimum balances across all of your United Bank deposit accounts, including certificates of deposit, and we will waive the $15 monthly service charge. Take advantage of United Bank’s LifePERKS app, special services and discounts offered only to GOLD LIFE checking customers. Open Now

  • Anywhere banking tools (online, mobile, bill pay, debit card and e-statement)
  • Free personal Gold LIFE checks, or a $5 credit towards another style – limit one box per order
  • Free 3x5 safe deposit box, or a $15 credit towards a larger box
  • No withdrawal fees when using a non-United Bank ATM; terminal fees still apply*
  • May pair with The RESERVE account
  • Interest paid on your balances. See Rates for additional information
  • PLUS all of the great benefits of LifePERKS
    • Credit Monitoring, Scoretracker, Identity Monitoring and ID Theft Aid†
    • 24/7 Roadside assistance
    • Health Savings Card
    • Cell Phone protection†
    • Shop Local Discounts with BaZing Savings
    • $10,000 Travel Accidental death coverage†
Maintain $10,000 in minimum aggregate balances, or a $15 monthly service fee will be charged. Not a smartphone user? Take advantage of LifePERKS benefits by visiting www.BAZING.com.


Life Checking

 
This account is designed for our customers who enjoy life, especially LifePERKS. Enjoy using the LifePERKS app, while saving money along the way.

Open Now
  • Anywhere banking tools (online, mobile, bill pay, debit card and e-statement)**
  • Your first box of personal checks is FREE (bank stock only, does not include duplicates)
  • PLUS all of the great benefits of LifePERKS
    • Credit Monitoring, Scoretracker, Identity Monitoring and ID Theft Aid†
    • 24/7 Roadside assistance
    • Health Savings Card
    • Cell Phone protection†
    • Shop Local Discounts with BaZing Savings
    • $10,000 Travel Accidental death coverage†
Just $6 per month. Enroll in e-statements and avoid the additional $3 paper statement fee. Not a smartphone user? Take advantage of LifePERKS benefits by visiting www.BAZING.com.


Just Checking


The checking account with just the basics.
Open Now

  • Anywhere banking tools (online, mobile, bill pay, debit card and e-statement)**
  • No monthly service charge. Enroll in e-statements and avoid the $3 paper statement fee.

†Cell phone protection and personal identity theft benefits are subject to additional terms and conditions.  Identity and credit monitoring require additional activation for monitoring to begin. Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK. For additional information regarding LifePERKS benefits, see the supplemental guide.
 
 

The United Account


The United Account is a great option for that first checking account or for those who may need a fresh restart to their financial management.  No matter what your circumstances are, you can benefit from the services a checking account offers as you navigate life.

  • Anywhere banking tools (online, mobile, bill pay, debit card and e-statement)**
  • No overdraft services are provided with this account.
  • No checks are provided or may be used with this account to issue payments.  Customers are encouraged to use their debit card or online bill payment.
  • Only $25 required to open.
Just $4.95 per month. Enroll in e-statements and avoid the additional $2 paper statement fee.
 
The United Account meets the BankOn National Account Standards of the Cities for Financial Empowerment (CFE) fund.  Learn more about the benefits of having a checking account.
 

Rates may change at any time without prior notice.

*Non-United Bank ATMs may impose a terminal usage fee.

**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


Interest Paid on Your Balance LifePERKS
Free Personal Checks
Anywhere Banking Tools
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Life Checking

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Just Checking



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The United Account

No Checks Allowed
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Need help balancing your account statement?  Check out this handy calculator to make the task easier.

Need short term funds? Consider a CashPlease® loan from United Bank. It's an alternative to paying non-sufficient fund fees or borrowing from a title pawn lender. Available only for eligible United Bank checking account customers.  Learn more

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Anytime access to your accounts

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