Debit Card
Instant Alerts
You can now use your UB Mobile App to manage your debit card.
Personal Checking
United Bank provides several options for your checking account needs. Deposit accounts are FDIC insured. See one of our friendly Customer Service Representatives about the best fit for you.
To expedite the account opening process please print and complete the New Account Application form.
Consumer Checking
Features
- $200.00 minimum deposit to open.
- Service charge per statement cycle—$6.00, and a $.10 fee for each debit transaction per statement cycle.
- If you elect not to receive E-Statements there is a $4.00 charge to receive a paper statement which will be incurred in your service charge on your statement.
- Earn credit of $.10 for each $100.00 of the lowest minimum balance maintained during the statement cycle.
Benefits
UB Checking
Features
- $200.00 minimum deposit to open.
- Service charge per statement cycle—$8.00
- If you elect not to receive E-Statements there is a $4.00 charge to receive a paper statement which will be incurred in your service charge on your statement.
Benefits
- 25% discount on Safe Deposit Box fees
- Unlimited check writing-No per check charge
- No Charge check orders when the Club check is ordered.
- Temporary Statements at no charge
- Notary Service
- Online, Mobile and Telephone Banking
- E-Statements
- MyCardRules
- Debit/ATM Card
- Overdraft Privilege
NOW Personal
Features
- $1,500.00 minimum deposit to open.
- If you elect not to receive E-Statements there is a $4.00 charge to receive a paper statement which will be incurred in your service charge on your statement.
- Earns interest, Contact us for current rates.
- Interest compounded monthly (daily balance method to calculate interest).
- Interest credited into account monthly.
- If you close your account before interest is paid, you will not receive the accrued interest.
- Interest will begin to accrue on the business day you deposit non-cash items (ex. Checks) into your account.
Fees imposed if minimum balance falls below $1,500:
- $1499 to $1300 - $5.00
- $1299 to $1000 -$6.00
- Below $1000 - $7.00
Benefits
NOW UB Checking
Features
- $1,500.00 minimum deposit to open.
- Service charge is $8.00 per statement cycle
- If you elect not to receive E-Statements there is a $4.00 charge to receive a paper statement which will be incurred in your service charge on your statement.
- Earns interest, Contact us for current rates.
- Interest compounded monthly (daily balance method to calculate interest).
- Interest credited into account monthly.
- If you close your account before interest is paid, you will not receive the accrued interest.
- Interest will begin to accrue on the business day you deposit non-cash items (ex. Checks) into your account.
Fees imposed if minimum balance falls below $1,500:
- $1499 to $1300 - $5.00
- $1299 to $1000 - $6.00
- Below $1000 - $7.00
Benefits
- 25% discount on Safe Deposit Box fees
- Unlimited check writing
- No Charge check orders when the Club check is ordered
- Temporary Statements at no charge
- Notary Service
- Online, Mobile and Telephone Banking
- E-eStatements
- MyCardRules
- Debit/ATM Card
- Overdraft Privilege
Senior Citizen Checking
Features
- $200.00 minimum deposit to open.
- Customers 62 years old and older
- No service charge unless the minimum balance falls below $100.00 then there is a $2.00 service charge.
- Other service charges may apply if the customer has other than a regular checking account.
Benefits
Student Checking
Features
- $200.00 minimum deposit to open.
- No service charge as long as the customer remains a student and enrolls in E-Statements. If you elect not to receive E-Statements there is a $4.00 charge to receive a paper statement which will be incurred in your service charge on your statement.
- Customer must present proof of school enrollment each January to qualify for this account. Examples: Current student ID, copy of report card or transcript. If proof of enrollment is not presented, account will revert to the bank’s consumer account service charge type.
Benefits
- Online, Mobile and Telephone Banking
- E-Statements
- MyCardRules
- Debit/ATM Card
- Overdraft Privilege (must be 18 or older to be eligible)
Money Market Deposit Account
Features
- Minimum deposit of $2,500.00 is required for opening.
- Earns interest, Contact us for current rates (rate varies).
- Interest is credited to account monthly.
- If you close the account before interest is credited, you will not receive the accrued interest.
- Rate reverts to savings rate when balance falls below the minimum balance required.
- E-Statements. ($4.00 fee for a paper statement; fee does not apply to Senior Citizen accounts).
Charges apply for below minimum balance:
$5.00 – Balance below $2,500.00
$6.00 – Balance below $1,500.00
$7.00 – Balance below $1,000.00
Benefits
** This account is available for individuals and corporations.
