Deposit Products > Personal Checking

 
 


Super Smart Checking

This account is designed to give you the most value! With a few simple qualifications, this account offers you a way to earn money, save money, and protect your money.

  • Earn interest on all balances
  • Earn a higher rate of interest on balances less than $30,000 when qualifications are met
  • ATM Fees are refunded (up to $10 per month) when qualifications are met.
  • Visa® Debit card or ATM card upon approval with no annual or monthly card fee.
  • Free internet banking and Bill Pay

Qualifications

  • 20 debit card transactions per month
  • One Direct Deposit or ACH Transaction per month
  • Receive e-Statements

Member Benefits

  • ID Theft Protection
    • $2,500.00 Identity Theft Protection
    • Payment Card Protection
    • 6 month free Identity Guard credit monitoring
    • Restoration Program
  • $10,000.00 Travel Accidental Death Insurance
  • Dining and Entertaining Discounts
  • Travel Savings
  • Comprehensive Travel Services
    • Concierge
    • Road Side Assistance
    • Emergency Travel Assistance
  • Prescription, Vision and Hearing Discounts
  • Free Checks (our club style)
  • Up to 3 free Cashiers Checks per month
  • Free Safe Deposit Box

All this for a Membership Fee of $6 per month. Membership Fee will be waived when you meet the Qualifications plus make 25 or more debit card transactions per month. Minimum opening balance $50.

Smart Checking

The beauty of a free checking account with the perks of one that earns interest. Earn money and protect your money while enjoying a free account.

  • Earn interest on all balances
  • Earn a higher rate of interest on balances less than $30,000 when qualifications are met
  • Visa® Debit card or ATM card upon approval with no annual or monthly card fee
  • Free internet banking and Bill Pay

Qualifications

  • 15 debit card transactions per month
  • One Direct Deposit or ACH Transaction per month
  • Receive e-Statements

Other Benefits

  • ID Theft Protection
    • $1,000.00 Identity Theft Protection
    • Payment Card Protection
    • 6 month free Identity Guard credit monitoring
    • Restoration Program
  • Up to 3 free Cashiers Checks per month
  • Free Safe Deposit Box (first year only)
  • Minimum opening balance $50

United Plus

Available to customers age 50 or better. An interest bearing account with extras!

  • Receive free unlimited check writing with a minimum daily balance of $750. If your ledger balance falls below the minimum during your statement cycle, a $4 account maintenance fee will apply.
  • Earn interest on all balances of $1,000 or more.
  • Visa® Debit card or ATM card upon approval with no annual or monthly card fee.
  • Overdraft protection available. Ask for an application today!
  • Free Checks…our Club style, 200 per order.
  • 3 Free Personal Money Orders or Cashier's Checks.
  • Free Express Phone Banking, Internet banking and Bill Pay.
  • ID Theft Protection
    • $1,000 Identity Theft Protection
    • Payment Card Protection
    • 6 month free Identity Guard credit monitoring
    • Restoration Program
  • $5,000 Travel Accidental Death Insurance.
  • Pharmacy, Vision and Hearing Savings
  • Minimum opening balance $50

Smart Tunes

Ideal for any music lover, this account lets United Bank & Trust fuel the soundtrack to your life with music downloads.

Benefits of Smart Tunes:

  • Up to $4.95 of iTunes®  transactions refunded per month (when qualifications are met)
  • No monthly fees
  • No minimum balance
  • Visa® Debit card or ATM card upon approval with no annual or monthly card fee.
  • Free Express Phone Bank, Internet Banking and Bill Pay
  • ID Theft Protection
    • $1,000 Identity Theft Protection
    • Payment Card Protection
    • 6 months free Identity Guard credit monitoring
    • Restoration Program

How do you qualify:

  • 15 debit card transactions per cycle
  • At least one Direct Deposit or Automatic (ACH) payment
  • Receive e-Statements
  • Minimum opening balance $50

Freedom Checking

An old classic. No bells and whistles...it's just FREE.

  • Unlimited check writing with no monthly fee
  • No minimum balance requirement
  • Visa® Debit card or ATM card upon approval with no annual or monthly card fee.
  • Free Express Phone Banking, Internet Banking and Bill Pay
  • e-Statement available
  • ID Theft Protection
    • $1,000 Identity Theft Protection
    • Payment Card Protection
    • 6 months free Identity Guard credit monitoring
    • Restoration Program
  • Minimum opening balance $50

Smart Start Checking

Needing a fresh, smart start to your banking? Smart Start Checking allows you a second chance in forming a banking relationship.

  • No minimum balance requirement
  • Visa® Debit card or ATM card upon approval with no annual or monthly card fee.
  • Unlimited debit card transactions and ATM withdrawals
  • $10 monthly fee
  • Direct Deposit is required
  • Free Express Phone Banking and Internet Banking
  • e-Statement available
  • ID Theft Protection
    • $1,000 Identity Theft Protection
    • Payment Card Protection
    • 6 months free Identity Guard credit monitoring
    • Restoration Program
  • Minimum opening balance $50

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