United Bank & Trust
Personal Business
Online Banking:

Personal Savings

Our personal savings accounts come packed with convenient service, such as Online Banking, Mobile Banking, Account Alerts, eStatements, and each account holder can apply for an ATM card or have the account attached to an existing United Bank & Trust debit card (some restrictions apply with our Youth Savings).

We offer the following personal savings accounts:

Smart Savings

An account that makes saving automatic...with every swipe of your debit card.

What will I get?

  • $1.00 transfers from your United Bank & Trust checking account with every purchase made with your debit card.
  • A competitive interest rate.
  • A match rate of 50% on all $1.00 transfers for the first 90 days*.
  • A match rate of 5% on all $1.00 transfers for the rest of the year, after the initial 90 days*.

How much will it cost me?

  • There are no monthly maintenance fees, but eStatements are required. You may make up to 18 withdrawals, in person or by telephone, per calendar quarter. Additional withdrawals are $1.00 each.

See how your savings will stack up. Use our savings calculator!

*Earn a rate of .20% Annual Percentage Yield (APY) on all balances.  APY is accurate of January 28th, 2013.  You must receive your statements electronically to qualify for a Smart Savings account.  United Bank & Trust will transfer $1.00 from your UBT checking account to your Smart Savings account each time you use your United Bank & Trust debit card to make a purchase.  You will receive a match of 50% for each dollar we transfer during the first 90 days after account opening, up to a maximum of $50.00.  You will receive a match of 5% for each dollar transfer for the rest of the first year, up to a maximum of $50.00.  The match will be credited to your Smart Savings account at the one year anniversary of the account opening.  The Smart Savings account must remain open to receive the match.  Rate subject to change after account opening.  Personal accounts only.  Fees may reduce earnings.

By Federal Regulation, transfers from a savings or money market account to another account, or to third parties, by preauthorized, automatic, internet or telephone transfers or by check are limited to six per month.

Personal Savings

No bells. No whistles. Just an account perfect for saving.

What will I get?

  • A competitive interest rate.

How much will it cost me?

  • There are no account maintenance fees if you maintain a $100.00 quarterly average ledger balance. If not, a $5.00 quarterly maintenance fee will apply.
  • You may make up to 18 withdrawals, in person or by telephone, per calendar quarter. Additional withdrawals are $1.00 each.

See how your savings will stack up. Use our savings calculator!

By Federal Regulation, transfers from a savings or money market account to another account, or to third parties by preauthorized, automatic, internet or telephone transfers or by check are limited to six per month.

Christmas Club

Tackle the holidays without the blown-budget blues or plan for year-end expenses.

What will I get?

  • A competitive interest rate.
  • The convenience of a check sent to you in the first week of November for the entire account balance plus interest.
  • Direct deposit option is available.

What will it cost me?

  • No minimum balance must be maintained and there are no monthly fees, but withdrawals are not allowed.

See how your savings will stack up. Use our savings calculator!

Youth Savings

Start saving now for their future with this simple savings account.

What will I get?

  • A competitive interest rate.
  • Only a $5.00 minimum deposit to open.
  • Account is automatically converted to our Personal Savings account when the child turns 18.

How much will it cost me?

  • There are no maintenance fees or minimum balance requirements with this account.

See how your savings will stack up. Use our savings calculator!

By Federal Regulation, transfers from a savings or money market account to another account, or to third parties, by preauthorized, automatic, internet or telephone transfers or by check are limited to six per month.

Money Market

An account that maximizes your earnings with tiered interest rates.

What will I get?

  • A competitive interest rate paid on daily balances based on the following tiers:

    Tier 1 $0.00-2,499.99
    Tier 2 $2,500.00-9,999.99
    Tier 3 $10,000.00-24,999.99
    Tier 4 $25,000.00-49,999.99
    Tier 5 $50,000.00-99,999.99
    Tier 6 $100,000.00 and over

  • Up to six withdrawals per statement cycle*.

How much will it cost me?

  • No monthly maintenance fee applies if you maintain a $2,500.00 minimum daily ledger balance. If not, a $10.00 monthly maintenance fee will apply.
  • Make up to six withdrawals by check, or by preauthorized, automatic, internet or telephone withdrawal or transfer per month. Additional withdrawals are charged $10.00 each.
  • Withdrawals and transfers made in person or at an ATM are unlimited.

By Federal Regulation, transfers from a savings or money market account to another account, or to third parties, by preauthorized, automatic, internet or telephone transfers or by check are limited to six per month.

Treasury Savings

A variable rate savings account with a market-based rate. For customers who are looking to maximize earnings on larger account balances.

What will I get?

  • A variable interest rate based on the 91-day T-Bill when the account balance is $25,000.00 and over.
  • A competitive interest rate on balances under $25,000.00.

How much will it cost me?

  • There are no account maintenance fees if you maintain a $100.00 quarterly average ledger balance. If not, a $5.00 quarterly maintenance fee will apply.
  • You may make up to 18 withdrawals, in person or by telephone, per calendar quarter. Additional withdrawals are $1.00 each.

By Federal Regulation, transfers from a savings or money market account to another account, or to third parties, by preauthorized, automatic, internet or telephone transfers or by check are limited to six per month.

Pay Yourself First Savings

More information coming soon!