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Checking Accounts
Checking AccountseFree CheckingChargeFree Checking Encore Checking*Interest CheckingPremier Members First Checking Money Market Checking
Minimum Opening Deposit$50.00$50.00$50.00$1,000.00$50.00$2,500.00
Miniumum balanceN/AN/AN/A$1,000.00No$2,500.00
Interest PaidNoNoNoYesYesYes
Transaction LimitNoNoNoNoNo6 free withdrawals per month, $5 per withdrawal over 6. See details under account description for restrictions.
Monthly Service ChargeNoneNone$10 without Direct Deposit or $8 with Direct Deposit*Maintaining the monthly minimum ledger balance of $1,000 waives $10.00 monthly service chargeCombined total deposit relationships of $10,000 waives the $5 monthly service chargeMaintaining the monthly minimum ledger balance of $2,500 waives $10.00 monthly service charge
Other available features:
eStatementsrequiredXXXXX
Online Banking - Click here for more information requiredXXXXX
Mobile Banking - Click here for more information XXXXXX
expressPay - online bill pay serviceXXXXXX

*This is our second chance account. If you maintain this account in the agreed upon manner for 18 months you can move to an account of your choice.


Checking Accounts are considered dormant when there has been no activity for 6 months. Once dormant, the account is charged $5.00 per month if balance is less than $100.


eFree Checking Account
$50 to open
No monthly service charge
No minimum balance
Free “bank-branded” checks
Secure and convenient eStatements
One (1) NSF fee refunded annually upon request
One (1) stop payment fee refunded annually upon request
No foreign ATM fee assessed by United Bank
Four foreign ATM surcharges rebated per month (Typical charges will apply to the fifth foreign ATM cash withdrawal)
Free internet banking, expressPay(SM) (bill pay) and debit card
Requirements: valid email address, internet banking and eStatements. If you do not sign up for and receive eStatements within 30 days of account opening, your account will be converted to a ChargeFree checking account. It will still function as a free account; however, it will not receive ATM, NSF or Stop Pay fee refunds.

ChargeFree Checking
$50 to open
No minimum balance
Unlimited check writing
Free internet banking, expressPay and debit card

Encore Checking

This is our “second chance” account. If you maintain this account in the agreed upon manner for 18 months you can move to an account of your choice.
$50 to open
No minimum balance
Unlimited check writing
Free internet banking, expressPay and debit card
$10 monthly service charge
Reduced to $8.00 with Direct Deposit

Interest Checking Account
$1,000 to open
Minimum ledger balance: $1,000
Below the minimum, a $10 monthly service charge will apply


Money Market Checking
$2,500 to open
Minimum ledger balance: $2,500
Below the minimum, a $10 monthly service charge will apply
Six withdrawals per month. Charge for each withdrawal in excess of six is $5



Premier Members First Checking Account
A great package account! Only $5 a month; however, if you keep $10,000 in combined deposit relationships at United Bank, the $5 charge is waived.
$50 to open
No minimum balance
Unlimited check writing
Personalized checks: two single orders of checks per year
Interest paid if minimum balance of $100 is maintained
Free internet banking, expressPay and debit card
50% discount on stop payments and cashier’s checks
50% discount on one safe deposit box rental (subject to availability)
$10,000 AD&D insurance
Identity IQ and Identity Theft 911
Group travel opportunities detailed in quarterly newsletter
Other benefits and discounts are available (see fulfillment flyer for full details)