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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Savings
Savings AccountsRegular SavingsGreen Thumb Savings**Interest Earners (Available through age 18)Christmas Club
Required Minimum to Open$50.00$50.00$10.00$5.00
Transaction Limit6 per calendar quarter, $2 per withdrawal over six. See further detail for restrictions.6 per calendar quarter, $2 per withdrawal over six. See further detail for restrictions.6 per calendar quarter, $2 per withdrawal over six. See further detail for restrictions.No withdrawals permitted; any withdrawal will require that the account be closed.
Minimum ledger balance needed to avoid Quarterly Service Charge$50.00$50.00$10.00None
Quarterly Service Charge$6.00$10.00$3.00None. No withdrawals. Early closing penalty - $10.00

**Checking account required to earn Green Thumb interest rate.


Interest is compounded daily on the available balance and paid quarterly. Rates subject to change at management’s discretion.


Federal regulations limit the number of withdrawals and/or transfers that may be made from a savings account by telephone/PC transfer, pre-authorized transfer, check or debit card. You are limited to six withdrawals and/or transfers from your savings account each month by pre-authorized transfer or telephone/PC transfer, including bill payments. And, if the account permits, transfers by check or debit card.  Regardless of the type of transaction, there is a $2 charge for each withdrawal over six (6).


Regular Savings Account
$50 to open
Minimum ledger balance $50
Below the minimum, a $6 quarterly service charge will apply
Six withdrawals per calendar quarter. Charge for each withdrawal in excess of six is $2.

Green Thumb Savings
**Must maintain a checking account with United Bank to obtain the premium interest rate.
$50 to open
Maximum balance: $99,999
Minimum ledger balance: $50
Below the minimum, a $10 quarterly service charge will apply
Six withdrawals per calendar quarter. Charge for each withdrawal in excess of six is $2
Quarterly interest transferred to checking account
Combined Statements with checking account give you a collective view of your accounts.
If checking account is closed, rate will revert to the current rate of the Regular Savings Account




Interest Earners
$10 to open
Minimum ledger balance: $10
Below the minimum, a $3 quarterly service charge will apply
Six withdrawals per calendar quarter. Charge for each withdrawal in excess of six is $2
Available up to age 18

Christmas Club
Simple interest is paid annually on the maturity date
$5 to open
Deposits automatically transferred from a United Bank checking or savings account
No withdrawals permitted; any withdrawal will require that the account be closed
Early closure fee of $10 and no interest paid.



Certificates of Deposit and Individual Retirement Accounts
Terms from 3 month to 4 years.
Fixed rate and variable options. 

There are penalties for early withdrawal.
See RATES on offered products.