Heartbleed Internet Bug
United Bank is aware of the “Heartbleed” internet bug that has been widely reported in the media. Protecting your confidential information is one of our top priorities. Please rest assured that we are addressing this issue, and if any vulnerabilities are discovered, that we will let you know and they will be dealt with as quickly as possible. We can confirm that our Online Banking system has not been affected by the Heartbleed bug. Your Online Banking information is and has been secure. Your Online Banking username and password have not been compromised. If you have any questions or concerns please feel free to contact us. Further updates will be posted on our website as appropriate.
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Business Checking
Business Checking AccountsBusiness Builder CheckingMoney Market CheckingPremium Interest Money Market Account
Minimum Opening Deposit$50.00$2,500.00$10,000.00
Miniumum balance to avoid monthly service chargeN/A$2,500.00$10,000.00
Interest Paidnoyesyes
Transaction ChargesFirst 300 debits and credits (items deposited) free, $0.25 charge over 3006 free debits per month, $5 per debit over 6. See further detail for restrictions6 free debits per month, $5 per debit over 6. See details under account description for restrictions.
Monthly Service ChargeFree with eStatement enrollment or $5.00 monthly service chargeNo charge if minimum ledger balance of $2,500 is maintained or $10.00 monthly service chargeNo charge if minimum ledger balance of $10,000 is maintained or $10.00 monthly service charge
Other available features:
eStatementsavailableavailableavailable
Online Banking Click here for more information Click here for more information Click here for more information
Visa business debit cardclick here for more information
Merchant Captureclick here for more information click here for more information click here for more information
Merchant services click here for more information click here for more information click here for more information

Business Builder
The business checking account that works for you. At its foundation, it’s a robust checking account that meets your deposit and transaction needs. This business checking account features a generous amount of transactional items and convenience services. Accessible online 24 hours a day, this checking account offers:
• No minimum balance.
• No charge for first 300 items ($0.25 charge for each item over 300) – Items defined as debits and credits (items deposited), excludes electronic deposits
• $5.00 monthly service charge waived with enrollment in eStatements. Electronic Statements provide security, safety and convenient filing.
• eCorp our internet banking for business, allows you to access and control your accounts 24/7.
• Business Bill Pay is available to save you postage, checks and time. You are allowed up to ten (10) transactions with no fee per month. After ten, each transaction thereafter is $1.00.
• Accessing your funds is simplified with the Business Debit Card. You can allow employees to use one while controlling the funds. Accepted worldwide by businesses that accept Visa, you don’t have the added hassle of a credit card since the funds come straight from your checking account.
• Night depository service with no annual fee

With Business Builder, we offer customizable financial tools that build your business. The tools include:
• cash and deposit handling services
• electronic bill pay and check collection options
• merchant card services
• accounts for investing your excess funds for greater earnings
• loans and other financial options.

Money Market Account
Interest is paid on all balances and is compounded daily, paid monthly. Rates are subject to change
Minimum ledger balance is $2,500
Below the required minimum, there is a monthly service charge of $10
Debit transactions are limited to six (6) per month. All transactions over six (6) will be assessed a $5 fee.

Premium Interest Money Market Account
Interest is paid on all balances and is compounded daily, paid monthly. Rates are subject to change
Minimum ledger balance is $10,000
Below the required minimum, there is a monthly service charge of $10
Debit transactions are limited to six (6) per month. All transactions over six (6) will be assessed a $5 fee.


Other Business Deposit Services


Account Analysis
Account Analysis provides a descriptive statement which lists the services used and the costs associated with the account. Charges can be minimized by maintaining sufficient balances.



Business Bill Pay
Ability to pay the occasional bill electronically. $1.00 per payment after 10 payments.

Merchant Services
Allows business customers the ability to accept payment with credit, debit and gift cards.


Remote Deposit Capture
Allows merchants the ability to make deposits without leaving the office.



Watch our Online Business Banking Tools video - click here