United Bank & Trust
Personal Business
Online Banking:

Personal Checking

Our personal checking accounts come packed with convenient services, such as Online Banking, Bill Pay, Mobile Banking, Account AlertseStatements, and each account holder can apply for a Visa® debit card. Our personal checking accounts have unlimited check writing with absolutely no "per check" fees.

We offer the following personal checking accounts:

Super Smart Checking

An account that packs ATM-fee refunds and premium interest by achieving just three monthly qualifiers.

What will I get?

  • A premium interest rate on the first $30,000.00. A competitive interest rate on balances over $30,000.00. (If monthly qualifiers are achieved)
  • Up to $10.00 in ATM fees refunded each statement cycle. (If monthly qualifiers are achieved)
  • Free bank services. (Three Cashier's Checks or Money Orders per month)
  • Free Safe Deposit Box. (3x5, if available)
  • Free club-style checks.
  • $10,000.00 Travel Accidental Death Insurance.
  • Online, grocery, restaurant, travel, auto and health discounts.
  • Identity theft protection - Click here for details.
  • Visa® debit card.

How do I qualify?

  • Have one direct deposit or automatic payment per statement cycle.
  • 20 debit card transactions posted per statement cycle.
  • Enroll in our free eStatement service.

How much does it cost?

  • All of this value for just $6.00 per month. If you have 25 debit card transactions posted per statement cycle and achieve the monthly qualifiers, the Membership Fee is waived.

Smart Checking

An account that costs you nothing and puts a little back in your pocket.

What will I get?

  • A premium interest rate on the first $30,000.00. A competitive interest rate on balances over $30,000.00. (If monthly qualifiers are achieved)
  • Free bank services. (Three Cashier's Checks or Money Orders per month)
  • Free Safe Deposit Box. (3x5, if available, for the first year of account opening only)
  • Identity theft protection - Click here for details.
  • Visa® debit card.

How do I qualify?

  • Have one direct deposit or automatic payment per statement cycle.
  • 15 debit card transactions posted per statement cycle.
  • Enroll in eStatements.

How much will it cost me?

  • Not a nickel or a dime—it's free!

United Plus Checking

Our club account is exclusively for our customers 50 years or better.

What will I get?

  • A competitive interest rate. (On daily balances of $1,000.00 or more)
  • Free club-style checks.
  • Free bank services. (Three Cashier's Checks or Money Orders per month)
  • $5,000.00 Travel Accidental Death Insurance.
  • Prescription, vision, and hearing discounts.
  • Identity theft protection - Click here for details.
  • Visa® debit card.

How much will it cost me?

  • Maintain a $750.00 minimum daily balance and the $4.00 maintenance fee is waived.

Smart Tunes Checking

An account that rocks! Earn free music download refunds each month and never worry about monthly maintenance fees.

What will I get?

  • $4.95 in iTunes® refunds each month. (If monthly qualifiers are achieved)
  • No monthly maintenance fees.
  • Identity theft protection - Click here for details.
  • Visa® debit card.

How do I qualify?

  • 15 debit card transactions posted per statement cycle.
  • Enroll in eStatements.

How much will it cost me?

  • Zero. Zip. Zilch. It's free!

Smart Start Checking

A fresh start to banking. For customers who are looking to rebuild their banking reputation.

What will I get?

  • Visa® debit card.
  • No minimum balance requirement.
  • Identity theft protection - Click here for details.

How much will it cost me?

  • A $10.00 monthly maintenance fee will apply.

Freedom Checking

No bells or whistles. Just free checking!

What will I get?

  • Visa® debit card.
  • No minimum balance requirement.
  • Identity theft protection - Click here for details.

How much will it cost me?

  • Absolutely nothing. It's free!

Health Savings

An account to help pay for high-cost healthcare expenses. For eligible customers who have a high-deductible healthcare plan.

What will I get?

  • Tax-free distributions for healthcare expenses.
  • Tax-deductible contributions.
  • Visa® debit card.
  • Free introductory order of HSA checks.
  • A competitive interest rate paid on collected balances based on the following tiers:

    Tier 1 $.01-2,500.00
    Tier 2 $2,500.01-10,000.00
    Tier 3 $10,000.01-25,000.00
    Tier 4 $25,000.01 and over

  • Ability to transfer long-term balances to our higher yielding 12-month HSA CD.

How much will it cost me?

  • There is an annual fee of $25.00. There is an initial set up fee of $35.00, which includes the first year's annual fee.
  • There are no monthly maintenance fees. In person and telephone withdrawals/transfers are $1.00 each.

If you are interested in our Health Savings account, please call or stop by any of our branches for complete details and eligibility requirements.