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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