Personal Banking

Personal Checking

Individualized accounts. Free service.

Personal checking account options from United Bank work for you today and tomorrow, growing with your financial future. Our flexible options give you the features and benefits you need and expect, supported by outstanding customer service that meets you wherever you are.

United Free Checking

Get started with all the convenience you need from a checking account. Absolutely Free Checking, with no fees or minimum balances. 

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United Rewards Checking

Rewards Checking helps you put your checking account to work, with rewards you can actually use: fraud protection, $5,000 Accidental Death & Dismemberment Insurance+, credit monitoring, identity fraud protection and prescription drug discounts, plus discounts on shopping and entertainment.

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United Platinum Checking

Get returns on your money. For balances of $2,500 or more, enjoy tiered competitive interest rates — all for free. If your balance falls below $2,500, you will receive a $10 monthly charge ($8 with eStatements). 

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Which Account is Best For You?

From the convenience of making a deposit from your mobile device to the comfort of a one-on-one discussion, we’re proud to offer quality personal checking products and services to help you reach your individual goals.

 United Rewards CheckingUnited Platinum CheckingUnited Free Checking
United Visa® Debit Cardyesyesyes
Free E-Statementsyesyesyes
Free Mobile Banking with Check Deposit*yesyesyes
Free Online Banking with Bill Payyesyesyes
Rewards and Benefits
Apple Pay® / Google Pay® / Samsung PayTM
Credit File Monitoring Identity
Fraud Expense Reimbursement Coverage with Resolution Services +
Shopping Rewards
Movie & Theme Park Discounts
Prescription Drug Discount Plan
$5,000 Accidental Death & Dismemberment Insurance +
Apple Pay® / Google Pay® / Samsung PayTM
Earn next-tier interest rates with balances of $2,500 or more
Competitive interest if balance falls below $2,500
Apple Pay® / Google Pay® / Samsung PayTM
No Minimum Balanceyes yes
Monthly Cycle Service Charge
United Rewards Checking is FREE if you use your United Visa® Debit Card for 15 purchase transactions OR maintain a minimum of $500 in monthly direct deposits. Otherwise, United Rewards Checking is only $10 per month ($8 if eStatements are selected).
 
$0

 

  

Personal Banking

United Bank Advantages

Fast, secure and easy access to fit your needs

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Mobile Banking

Easy, anytime access to all the services you’ll need on the go.

Online Banking

Access all your United Bank personal accounts 24 hours a day. Manage account balances, transfer funds, access eStatements, review transaction history and more.

Bill Pay

Paying bills has never been more convenient. Simply add your payees to start paying all your bills instantly.

Better Budgeting

See the big picture of your finances and make smarter financial decisions with our interactive spending and budgeting tool.

Contact-Free Mobile Deposits

Use your phone to make deposits anytime and anywhere.

Friend-to-Friend Payments with Zelle®

Zelle is a convenient way to send and receive money with people you know and trust. Quickly, securely and easily transfer money in the moment with Zelle.

Frequently Asked Questions

No matter the location, no matter the branch... our routing number is 056004445.

Ordering checks is easy by visiting Deluxe. You will need our routing number (056004445) and your account number to get started. 

Locate a branch near you.

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Need help? Give us a call.

800.327.9862

We’ll get right back to you.

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¹Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Must have a bank account in the U.S. to use Zelle.
²In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled in Zelle.
Customer purchases checks. Other fees such as NSF fees, sustained NSF fees, Stop Payment fees, etc. may apply. See fee schedule for details. Bank rules and regulations apply. Minimum opening deposit is only $50 for retail accounts. No minimum balance requirement.
Rewards Checking: Customer purchases checks. Other fees such as NSF fees, sustained NSF fees, Stop Payment fees, etc. may apply. See fee schedule for details. Bank rules and regulations apply. Minimum opening deposit is only $50 for retail accounts. United Rewards Checking is free if you use your United VISA® Debit Card for a minimum of 15 purchases in a statement cycle or have a monthly direct deposit of $500 or more. Otherwise, United Rewards Checking is only $10 per statement cycle ($8 if eStatements are selected). $hopping Rewards™ requires registration and activation. No minimum balance requirement.
*Insurance products are not insured by FDIC or any Federal Government Agency. Not a deposit of or guaranteed by the bank or any bank affiliate. May go down in value.
*Mobile Check Deposit is not available for the first 30 days for new checking accounts.