Deposit Products > Savings Accounts

Smart Savings Accounts - (Personal)

We understand saving can be hard, but with Smart Savings, investing for the future can be as easy  as a simple swipe of a card. That's right, with every swipe of your debit card, your savings grows.

How does Smart Savings work?
Smart Savings is linked to any checking account. Each time you use the debit card attached to the linked checking account, $1 is transferred from your United Bank & Trust checking to the Smart Savings account. Plus we'll match a portion of each $1 Smart Savings transfer.

• Interest paid on all balances.
• United Bank & Trust will match a portion of your $1 Smart Savings transfers for the first year.
• No minimum balance.
• No maintenance fee.
• 24-hour ATM access with no annual or monthly card fee.
• Flexibility to make up to 18 withdrawals per quarter, in person or by telephone, at no charge. Additional withdrawals are charged $1 each.
• Free internet banking.
• e-Statements are required.

Youth Savings Accounts - (Personal)

An account designed with your youth in mind. This account is tailored to fit the needs of the young customer.

• Earns a competitive interest rate on all balances.
• Youth under age 18 may open with just a $5 minimum opening deposit.
• No service charges or minimum balance requirements.
• Automatically converts to a Personal Savings Account at age 18.
• Free internet banking.
• e-Statements available.

Savings Accounts - (Personal or Business) 

A simple way to start or build your savings. Despite what you may be saving for, this account will ensure your hard earned dollars a safe place to grow.

• Earns a competitive interest rate on all balances.
• No quarterly account fee applies when you maintain a quarterly average ledger balance of just $100. If your quarterly average ledger balance falls below this, a $5 quarterly maintenance fee will apply.
• Minimum opening balance $100
• 24-hour ATM access with no annual or monthly card fee.
• Flexibility to make up to 18 withdrawals per quarter in person or by telephone at no charge. Additional withdrawals are charged $1 each.
• Free internet banking.
• e-Statements available.

Money Market Accounts - (Personal or Business)

A savings account for the market conscious investor with tiered rates.

• No monthly account fee applies when you maintain a minimum daily ledger balance of $2,500. If your balance falls below this, a $10 account maintenance fee will apply.
• Maximize your earnings with tiered interest rates. Interest is paid on your account balance, based on the following tiers:
  Tier 1 $2500 -$9,999.99
  Tier 2 $10,000 - $24,999.99
  Tier 3 $25,000 - $49,999.99
  Tier 4 $50,000 - $99,999.99
  Tier 5 $100,000 and above
• 24-hour ATM access with no annual or monthly card fee.
• Flexibility to make up to 6 withdrawals per statement cycle. For each additional check or withdrawal, a $10 fee applies.
• Free internet banking.
• e-Statements available.

Treasury Savings Accounts - (Personal or Business)

A better way to maximize your earnings on large account balances.

• Preferred rate on balances $25,000 and over.
• Balances under $25,000 earn a rate of interest equal to a personal savings account.
• No account maintenance fee if a quarterly average ledger balance of $100 is kept. If not, $5 fee will apply.
• 24-hour ATM access with no annual or monthly card fee.
• Flexibility to make up to 18 withdrawals per quarter, in person or by telephone at no charge. Additional withdrawals are charged at $1 each.
• Free internet banking.
• e-Statements available.

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