Personal Savings Accounts

When people think about “putting money in the bank,” a personal savings account is usually what they have in mind. The appeal of earning interest safely over time is traditional, yet it still holds value today. Whether your personal banking needs involve saving for a future obligation or dreaming of a big purchase, United Bank offers several tried-and-true, FDIC-insured options.
 

Regular Savings Account

 
  • Avoid service charge with minimum balance of $100 ($3 for each quarter otherwise)
  • Open with only a $50 minimum deposit
  • Interest-bearing - see Rates for additional information
  • Up to three FREE withdrawals permitted for each quarter ($2 charge for each additional withdrawal)
 

Minor Savings Account

Teach the next generation about saving with this specially designed personal savings account.
 
  • No minimum balance required
  • No minimum opening deposit required
  • Interest-bearing - see Rates for additional information
  • Up to three FREE withdrawals permitted for each quarter ($2 charge for each additional withdrawal)
  • Adult custodian required for withdrawals
 

The RESERVE Account

Maximize your flexibility with accessible savings. Exclusively offered as a partner account to the Gold LIFE Checking.
 
  • Only $50 minimum deposit to open
  • Up to six FREE withdrawals permitted per statement cycle ($10 fee for each additional withdrawal)
  • Withdrawals are only allowed as a transfer into the Gold LIFE Checking account.
  • Interest rates are tiered - see Rates for additional information
 

Christmas Club Savings

Be prepared when gift-giving season arrives.
 
  • No minimum balance required
  • Only $50 minimum deposit to open
  • Interest-bearing- see Rates for additional information
  • Balance issued as a check or direct deposit in mid-November ($5 penalty for early withdrawal and account closure)
 

Certificates of Deposit

Capitalize on a longer-term savings horizon with a certificate of deposit (CD).
 
  • Certificates of Deposit have terms from six months to five years – the longer the term, the more attractive the rate of return. A minimum of $500 is required to open, and an early withdrawal may apply.
  • See our rates page to open a certificate of deposit online.
 

Health Savings Account

For HSA-qualified High Deductible Health Plan (HDHP) participants. Consult with your tax advisor for your eligibility to own an HSA.
 
  • No minimum balance requirements.
  • Use funds easily with a debit card.
  • Only $2 per month.
  • Opt-in for e-statements, and waive the $3 paper statement fee.
 
See our HSA Guide for additional information.
Rates may change at any time without prior notice.
 
 
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